I’m confident that my teen daughter would be a good driver although she has just started driving on her own. Despite of that, I know that we’ll have a tough time getting cheap car insurance here in Florida for her. Before we buy her a new car, could you give me some advice that can help us find her affordable car insurance that has adequate coverage?

Bhea

Hialeah, FL

The first thing you can do to get affordable car insurance for your teen daughter is to emphasize to her how important for her to maintain a clean driving record. In time, she will be given more affordable car insurance premiums if she doesn’t have accidents, speeding tickets and traffic infractions. Also, you can opt to get higher deductible for her teen car insurance. If she has higher deductible, it means she will have lower premium for her car insurance in Florida.

Since you are buying her a new car, choose a car that has safety features installed in it and do not ever get her a sports car or any car that has higher rating because these types of car have higher car insurance premiums.

If you plan to add your daughter to your own car insurance policy, this may not be the best option to have affordable premiums for her. You can just get a separate car insurance policy for her from an insurance company that focuses in giving teen car insurance. This type of car insurance company lessens their risk for giving car insurance for teens by putting specific driving conditions. They may require your teen daughter to complete a defensive driving course, no driving at night time or several other limitations which let her to have affordable car insurance premiums.

How do I get free teen car insurance quote for my son? Is it cheaper to have his own policy or to put him on mine?

Mitch

Miami, FL

Teenagers are usually prone to accidents due to the fact that they are still young at age and still in the stage of discovering things. Teen drivers are observed to drive at high speed in their cars because of the freedom and control they get from driving. Teenagers feel that the world is theirs as soon as they have their license and steering wheel in hand. They have this feeling of being invincible as they drive their cars on the road.

Teens are getting to take the risk from the rush behind the wheel of the car that an experienced driver don’t. This makes a teen driver a serious threat to everyone on the road. Teens are considered a risk to most insurance companies thus they are being charged with super high rates on their insurances.

But worry no more since there are still ways on how you can save on getting a free teen car insurance quote for your son. You don’t have to get back the car keys from your teen driver. In your son’s world where technology rules, you can absolutely get free teen car insurance quote by surfing on the internet.

Getting online will let you compare hundreds of insurance rates for your teen driver. It is a more convenient way of obtaining a car insurance quote anytime and any place. You simply need to fill up an online application form stating some personal details reflecting your son’s driving record. When everything is completed, you can get your free teen car insurance quote in just a short while.

There is even more for you when you shop your insurance quote online. You will also be able to enjoy substantial discounts when you purchase your car insurance quote online. Just make sure to examine first the contents of your policy coverage if it perfectly addressed the needs of your son before buying it.

I am turning 19 and I want to have my own car insurance. My dad says it won’t come cheap. How can I prove him wrong?

Michael

Houston, TX

Your dad has his reasons why he thinks you won’t be able to get cheap insurance for your vehicle. Most of the top insurance companies charge high premiums on young drivers like you. This is due to the fact that most of the incidents of theft, fire, and road mishaps involve young drivers. Most automobile insurance companies also regard young drivers as careless and irresponsible, so higher charges are in store for young drivers like you.

In order to get cheap young driver insurance, you should prove to the insurance company that you are responsible enough to handle your own car. You should enroll in a defensive driving school so that you can present yourself as a responsible driver. You should pick a driving school that is recognized by most vehicle insurance companies.

Another way to get cheap young driver insurance is to get good grades at school. Most straight A students get cheap rates for car insurance. You should strive to perform well in school.

Lastly, another proven way to avail of cheap young driver insurance is to buy safe vehicles. Forget sports cars since these are more prone to accidents.

I’ve saved and scrimped enough money to buy myself a beat-up, second hand car. It’s not the prettiest sight around, but it’ll get me around town when I need to. I expected the insurance to be cheaper, since I’m going to get a cheap car, but my agent offered me a premium that’s higher than what I expected. He said something about risks in car insurance for young drivers. What does that mean?

Mikey

Cheyenne, WY

Car insurance for young drivers has a higher premium exactly because the driver is young. Research concerning this has shows that there is a correlation between age and the risk of getting in an accident. Though the exact reasons why are not established by research, there is a relationship between age and risk.

All this techno-babble simply means that younger drivers tend to get into accidents more than older ones. Whether it’s inexperience in driving, aggressiveness in driving, or the simple horsing around that frat-boys love to do, younger drivers are more prone to accidents. That’s why car insurance for young drivers is a bit more expensive than car insurance for older drivers.

If you want solid proof about all this talk on research, then feel free to ask your insurance agent how exactly your insurance quote was computed. The researches that cover the topic of risk-assessment for young drivers are usually locked up in libraries or the private records of insurance companies, so you’ll have to dig a little deep to find them.

I am only 18 years old and I am just wondering what is the best insurance plan to go with if you are a teenager and you are just about to get your drivers license in Washington?

Tom

Vancouver, WA

Almost every state including the state of Washington requires you to purchase a minimum amount of liability coverage. Chances are that you will need more liability insurance than the state requires since accidents cost more than the minimum amount limits. If you are found legally responsible for damages that are more than your auto insurance insurance policy covers, you will have to pay the difference out of your own pocket. These bills could wipe you out! You must consider how much you stand to lose or have the potential to lose (as you are still young). You may want to purchase as much coverage as you feel comfortable with and a car insurance coverage that you can afford.

How much should I be expecting to pay if I add a new teenager driver on my car insurance policy?

Beth

Miami, FL

Since teenagers that are newly licensed have such high rates of accidents they cost more to insure than an experienced driver who is more prone to avoid an accident than cause it.

The costs of adding a new teenager driver will depend upon your current car insurance rates, your geographical location and your teen to name a few. For example, if you live in a congested area where your teen is more likely to be involved in an accident compared to a more rural or suburban area the rate to insure your teenager will likely be more.

As for the teenager themselves, insurance rates may vary due to if they have taken formal driving lessons or driver’s education and if you are able to get any type of discount for their grades. If you have a teen that maintains a higher GPA this may allow you to cut costs for car insurance.

Can you give me a range on how much will my car insurance go if I add a new teenager driver?

Rachel

Good Question Rachel.

Adding a teen driver on the policy will definitely cost you more since they have a high rates of accidents since they are newly licensed compared to experiences drivers who is more prone to avoid accidents than cause it.

It will actually depends on what your insurance rates already if you want to know the cost of adding a teenager on your policy. Other factor that may also affect your ate is the geographical location. For instance, it will cost you more on your premiums if you live in the congested area that your teen is more likely to get involved in an accident than in a rural area.

If a teenager has taken a formal driving lessons or a driver’s education, he may be able to get discount, If you also have a teen that maintains a higher GPA, this may cut the cost for auto insurance.

Generally, adding a teenager may cost $1200 up to $2500 a year. a minor may expect to pay 2.5 times the base rate of their insurance. Depending on the state where you reside, studies show that if you add a teenager on your insurance policy, your rates may go up 50-200%.

You may speak with your insurance agent about what your new premiums would be if you add a teenager in your policy. You may shop around to check which insurance company can give you a lower rate if you add a teenager.

Goodluck!

MariCAR