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Could insurance companies charge a policy fee?

They can, but you can change companies and ask prior that you get an agreement in writing stating all charges and clearly indicates there will never be any add-on charges at a later date such as a policy fee.

In which state do I get car insurance?

It is based on your registered location. It is hard to rate a vehicle being driven by a person in another state.

Can the car insurance be in my parents' name??

Generally yes, as long as you live in the same household.

Can a tourist buy a car in the US and insure it himself?

If the tourist has insurance in their own country, it may transfer to the US but is unlikely. Most U.S. policies do not transfer outside of a certain distance. They would need a valid driver's license, too.

What states in the US are No-fault states??

Florida, Michigan, New Jersey, New York, Pennsylvania, Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, North Dakota and Utah.

What is PLPD car insurance?

PLPD means Public Liability and Property Damage. It satisfies your insurance obligation to the state, but offers no coverage to your vehicle's damage.

Can auto insurance be transferred to a new vehicle?

Most companies should automatically cover the new car when you trade, but you will need to notify them of the change as soon as possible. The newer car may increase the premium.

How can you get auto insurance after a DWI?

If the courts have not taken away your license, you will need to contact a high risk insurer.

What type of insurance should a person carry for driving a company car for personal use?

Non-owners insurance. If you own and insure another vehicle, it would likely cover claims of negligence made against you by third parties, in addition to any coverage for liability afforded you company business for your employer/company car owner.

Where can I find commercial automotive liability coverage?

Such coverage would only work if you are incorporated or considered a registered business. Finding coverage would depend on your state.

Can you get auto insurance for just part of the year?

Most insurance companies sell policies that cover a 6 month or one year period. You may want to contact the insurance carrier for your family car.

Can I save on your future premiums if you switch to a different insurer after an accident??

Saving money after an accident is unlikely, especially if you are with a decent company. If you have had an accident you are statistically a higher risk to have another accident.