Reader’s Question:
How can I help my teen to be a good driver and at the same time get cheap car insurance.
Mary
Chicago IL
Here are the things you can do as a parent that can help your teen get affordable car insurance.
1. Educate your teen driver about how to handle roadside emergencies. To know how a jack works, have your teen show you how to change the tire on the car. In case of emergency, make sure your teen knows how to safely pull off the road.
2. Driving is a responsibility. Educate your teens that driving privileges can be cancelled and that it is their responsibility to drive safely. Let them know that with clean driving records, one can avail of low-cost auto insurance.
3. A car is not a toy. A car is more than just freedom to travel for many teens. Make sure your teen knows the power of the machine they are in control of and the damage it can cause.
4. Drinking and Driving should not be mixed. This should be reminded to every teen and they deem this is important especially when they hear this from their parents.
5. The best car insurance for teens is not always the cheapest. However, have your teen shop around and compare quotes from different companies. This will help them understand the cost and how their driving affects the premium.
6. Driving is a privilege, not a right.
7. When one gets behind the wheel, passenger and pedestrian lives are in your hands. So be very careful when driving.
Reader’s Question:
I live here in Miami Florida. I am currently covered unde rmy parents car insurane policy. I am now 19 years old and would like to know if it is possible to get my own car insurance policy. I still live in the same household though. Will the car insurance provider will require that I have to be on my parents car insurance policy if I will still be using my parents cars? Basically I just want to know if I can get my own car insurnce and I will only be using my own car. Is this possible?
Kelly
Miami Florida
Yes, you can buy your own car if you register a vehicle under your own name. Typically the car insurance provider will want you to list all of the household memebers. This is the case why car insurance companies would want your parents to list you as a household member too. Providing this information protects both you and the car insurance provider.
If you are still using your parents vehicles and also driving your own car, it is likely you all will have to listed on each other’s car insurance policies if that is the case. The best way to obtain an exact answer to your question is for you to speak with your parents car insurance company and the insurance company you are planning to buy insurance from. Keep in mind also that it is cheaper for you to stay on your parent’s policy than get your own policy. You can just pay them the portion of your payment instead of obtaining your own.
Reader’s Question:
It’s a tough challenge for me to find cheap young driver car insurance here in Indiana for my son. Can you help me by giving me some tips on how to save on my son’s car insurance?
Nick
Lafayette, IN
Aside from explaining to your son the importance of responsible driving, here are some more tips on how to save on young driver car insurance:
1. Car insurance companies offer driving programs that can improve your son’s driving skills. Let him take a defensive driving course so that he can be a better driver, thus having savings on his car insurance.
2. Make sure that the car that your son drives is equipped with safety devices. Vehicles that have security features can give him a discount on his young driver car insurance.
3. Let him know that he can also save on car insurance if he has annual low mileage. To achieve this, he can use public transportation from time to time. The annual mileage is one the things that car insurance companies consider when calculating the car insurance rates. If a driver has high mileage, it means the car insurance rates will also be high.
4. The kind of vehicle that your son drives is also important so make sure that he drives an inexpensive vehicle. Certain cars, especially expensive ones, cost high to insure because of the likelihood of theft and parts that are expensive to repair or replace.
5. The most effective way to get cheap young driver car insurance is to compare car insurance quotes from different comparison quote Websites. You can be able to find a car insurance company that specializes in providing coverage for young drivers.
July 11 2009 by author in Uncategorized |
Reader’s Question:
I am a parent of a 16 year old teen. Aside from being worried of him driving our car, I am also worried about the car insurance cost. Its too expensive! What can I do to lower it?
Maria
Las Vegas NV
Smart shopping for teenagers’ car insurance requires great cooperation between the parents and the student. The parents being a guardian should be responsible in educating their teeners the importance of their contribution into making sure they maintain a greater savings on premium rates given the student’s resulting accountability. The parents could reward them too to motivate them more into behaving positively.
Parents are then accountable to guiding their teenagers in making sure they are well oriented in good driving. It is important to keep track of them, seat with them while they’re in charge of the wheel, making sure they’re well instructed given possible scenarios.
Keep a good driving record. Another way of getting some savings on premium costs for teenagers is maintaining good grades. Educate your teenager on the value of maintaining good grades and how much savings would it provide to his/her car insurance.
Work on possible scenarios through which one could get a greater savings on premiums. They could also think of getting a multi-car discount. Find out how much discount are they getting if the student has his/her own car provided that the student is eligible. Also there’s a great consideration as to what type of car are you getting for your teenager. It is important to choose one that provides safety more than being fancy. Try to also check on what percent are the insurers cutting off on good student discount.
They could ask their insurer to give them several options to be able to project an affordable long term payment rates. For instance, they could weigh a difference in paying an upfront of $1000 instead of $500 and see if one could get a significant cut on rates.
Reader’s Question:
As a parent, I want to be able to save on anything and now that I am adding my daughter to my car insurance policy, I feel like I’ll have a hard time finding cheap coverage. How hard is it gonna be for us to get cheap young driver car insurance here in Illinois?
Rene
Naperville, IL
To obtain a good price for young driver car insurance in Illinois would not be hard at all. If you follow some tips properly, you can be able to save money on your car insurance policy and these are:
1. Since young drivers are considered high risk to car insurance companies, you can get cheap premiums if your daughter finishes a driver’s safety course. Most car insurance companies offer discounts to young drivers if they have attended and completed a course on safe driving from an institution approved by these companies.
2. Advice her to try her best to get an average of B or higher in school so that she can have a good student discount on her young driver car insurance.
3. You can simply add her to your current car insurance policy than get her a policy of her own. Rather than buying a whole new policy for her which is more expensive, just inform your car insurance company that you are adding a new driver to your current coverage.
4. Shop around through the Internet to get as much as 20% discount on the cost of young driver car insurance. You deal directly to car insurance companies when you shop online so you don’t have to pay added charges for a commission to a car insurance agent. Another advantage of going online is that not only it saves you money but it also saves so much of your time and effort.
Reader’s Question:
I have a young driver here in Texas, do you think it’s a good idea that I buy him his own auto insurance policy? I’m afraid that my premiums may increase too much if I add him under my coverage.
Florence
Irving, TX
You have a very interesting question. If you are looking to minimize auto insurance costs for your young driver, We highly suggest that you add him under your existing insurance policy as it would almost always be significantly more expensive to maintain a separate auto insurance coverage for a young driver. Young drivers have an inherent high-risk of getting into serious car accidents once they are behind the wheel and this is the major reason as to why premiums are expensive for them.
Placing young drivers under your own policy is more cost-effective. You would also usually get discounts from your carrier for adding an additional named driver on your coverage. Here’s another tip to lower your premiums with a young driver: have them take defensive driving courses, encourage them to do well in school to get good student discounts, consider raising your deductibles to the next tier to lower premiums. Also take a look at making annual payments instead of monthly since this is usually cheaper in the long run.
To find the most affordable rates and competitive young driver auto insurance in Texas, we suggest running free quote checks using the free search tool on this website. With this tool you get to access the most up-to-date rate offers coming from many different auto insurance companies,maximizing your chances of getting the policy that best suits your circumstances.
Reader’s Question:
Is it hard to find cheap car insurance for young drivers?
Wendy
Jacksonville, FL
To be young and uninsured – what does a driver need to do to get a little security on the road? Young drivers, usually those between ages 17 to 25, are unfortunately perceived as inexperienced by car insurance companies. Based on studies they’ve made, drivers in this age group tend to get into accidents more often that their older counterparts. Whether you agree this is true or not, it’s not going to change the fact that young drivers will always get higher rates. There are, however, certain things that can increase the likelihood of getting cheap car insurance for young drivers.
A lot of providers out there say they offer cheap car insurance for young drivers. When shopping for quotes, something affordable will most likely come from those that focus on selling car insurance to young drivers. Not all car insurance companies compute rates in the same way. They’re better at setting them for the specific class of drivers they’re marketing efforts are concentrated on.
Cheap car insurance for young drivers can also be achieved. If you happen to be a student, then getting high grades might qualify you for good student discounts. It also helps if your car has a lot of safety features. Since you’re a female young driver, you can also expect your rates to be lower than your boyfriend’s.
February 9 2009 by author in Uncategorized |
Reader’s Question:
My dad says I should enroll in a driving school before applying for vehicle insurance. Why should I do so?
Marianne
Charlotte, NC
Your dad is encouraging you to enroll in a driving school because he wants you to get the cheapest young driver insurance. Most automobile insurance companies have high regards for young drivers like you who are enrolled in a driving school. It means that young drivers who are enrolled in driving schools are more defensive and responsible than young drivers who are not. Driving schools teach their students how to be more cautious while driving on the road. These schools also teach basic road signs that can help young drivers to become obedient on traffic rules and regulations.
If you want to get the cheapest young driver insurance, then you should heed your father’s advice. You can be sure that when you apply for vehicle insurance, any insurance company will give you discounts given your driving education.
So that you can be assured that you will be given the cheapest young driver insurance available, enroll in a driving school that is recognized by most automobile insurance companies. You can find one by searching the Internet or looking for list of legitimate driving schools from your state’s transportation department.
February 6 2009 by author in Uncategorized |
Reader’s Question:
I am 23 years old and my dad just gave me a brand new car as a gift for my birthday. Of course, my mom insists that I should get a car insurance for she never really trusted my driving skills. And besides, what can I do, it’s a requirement to get one here in Georgia. Is there a car cheapest driver insurance young I can take advantage of?
Chris,
Atlanta GA
You might be able to get car cheapest driver insurance young but it may not be that cheap compared to other premiums that car insurance companies are offering. Being 23, you are still considered as a risk for a few reasons. First, you are not yet an expert driver hence you are more likely to be in the “inexperienced” group. Second, as a young people, the possibility of you driving your car with a number of friends on board would mean potential overloading and greater risk.
There are other reasons aside from these two but these are the major reasons why insurance companies do not usually offer car cheapest driver insurance young.
However, the good news is some car insurance companies have been specializing in car insurance for drivers below 25 of age. They are a specialist provider and therefore can manage to provide low insurance rates since their main interest is in young driver’s insurance market. Look for one of them in your area.
Reader’s Question:
Is it okay if I get my teenage son his own car insurance policy? My friends keep telling that it’s not practical to buy a young driver car insurance policy. Is this true?
Aurora
Oklahoma City, OK
Buying a young driver car insurance is only impractical if the intended owner of the policy is still living with you (in your case, it’s your son). You will find that most car insurance companies will advise to include your son to your policy rather than get him his own. The reason behind this is the high rate that is often tied with young drivers, specifically the male ones. Statistics show that male young drivers rank first the list of drivers that register the highest number of accidents and violations in the United States. It is because of this statistics that car insurance companies become wary of young drivers due to their expected high chance of getting into an accident. Car insurance companies are concerned about policy rates and risk levels because they do not wish to pay for damages that are more than what the policy owner actually paid for. Therefore, they make sure that a high-risk driver also gets a high rate, so that all the expected accidents and damages are covered.
If your teenage son plans to move out of your house and go independent, then it is best if he gets his own car insurance (as long as he is a registered driver). Household members who moved out for good can no longer be covered by the policy owner’s insurance. That’s why whenever this happens, car insurance agents suggest that you inform them about it, so that they re-adjust your policy rate and overage.