How can I get cheap car insurance for my teens? Please help. What are the ways to lower the rates I will pay?

Jim

Anaheim, CA

Teenagers, being a new driver, are most likely to get one of the highest premium rates, practically because insurers find them to be more at risk when driving. They are still considered inexperienced, given a short time period to managing the road, as compared to older ones.

Here are some of the ways you can get cheap teenager car insurance premium:

1. Keep a good driving record. There are some insurance companies who give out discounts and/or benefits for those who keep a good driving history.

2. Try to get good grades in school. Inquire for the average grade required to obtain possible discount and make sure to submit documents or proof of grades on a specified deadline or period demanded. Typically you should maintain a grade point average of B or higher to be eligible on the good student discount.

3. Compare car insurance deals from various companies. The key is to evaluate from apples to apples. Determine the compensation your teenager major needs and choose among the multiple rates the most practical premium cost offered

4. The parents may try to share the same policy with their teenager than when they are to insure their own. It is much cheaper if a parent add their teen to their policy than getting a separate policy for teens.

5. Choose a higher deductible.

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.

I know that car insurance for young people is costly because I have already experienced that with my son who now has his own car insurance. I’m back in worrying about having to pay more again for my coverage here in Louisiana. My 16-year old daughter is starting to learn how to drive, how can I get cheap car insurance for her?

Leslie

Lafayette, LA

Though parents understand the needs of their children for driving, a lot of them, like you do, are going through tough times in paying higher premiums for car insurance for young people. I’m sure you are aware that car insurance for young people under the age of 25 generally has the highest premiums. The reason behind this is that young drivers are likely to file more claims because of their lack of experience in driving.

To get cheap car insurance for young people in Louisiana, you need to look for some applicable discounts. If your daughter has good grades, she may be rewarded for a good student discount. Car insurance companies think that if they can be responsible in keeping good grades in school, they can be counted as well that they will be responsible drivers. Aside from that, it would be of big help if your daughter has attended and finished a defensive driving course. Most car insurance companies also offer discounts for those who have completed a driver safety course.

If your daughter drives a safe vehicle, she may have lower premiums for car insurance for young people. Make sure that the vehicle that she uses has safety equipment installed because this would be another way of getting a discount. Examples of safety equipment you can install are air bags, anti-lock brakes, alarms and anti-theft devices.

Tags: car insurance, car insurance companies, car insurance discounts, car insurance for young drivers

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.

What are the different types of coverage of car insurance for young driver?

Lynn

Boise, ID

Car insurance for young driver is always expensive. Would-be policy holders have to pay slightly higher premiums than most policies in order to protect themselves and their vehicles, as well as those they might get into an accident with.

There are ways, however, to get cheaper car insurance for young driver. But beware – cheap insurance is not necessarily the best insurance policy. The most important factor to consider in getting car insurance for young driver is the coverage that it offers.

Here are the three different types of coverage of young driver car insurance:

Third Party
This type coverage is the minimum required by the government. This is usually applied for when registering or renewing vehicle registration. It covers the driver against damage to property, loss of life, and injuries that passengers may incur because of the accident.

Third Party, Fire and Theft
This is an improved version of the previous policy. This type of coverage includes damages that may be done to your vehicle caused by accidental fires, as well as possible car replacement, if stolen.

Fully Comprehensive
This type of coverage is the most expensive. Aside from providing the same type of guarantee the first two types of coverage give, it also provides compensation for theft of valuables left inside a vehicle; medical injuries and death of insured and victims.

This is old news, but in California, cheap auto insurance for teen drivers means no cell phones on the road. This is a great law, and I wish every state would pass it, but in the meantime those in states without the law have to educate them on the consequences of driving and cell phone use and enforce a personal ban with their teen drivers. As I’ve said before, if you want to get cheap auto insurance for teen drivers, the first step is accident avoidance.

According to recent studies, eight percent of teen drivers use a phone while they are driving during the day, and five percent do at night. Using a cell phone while you’re driving can be a big factor in getting into an accident, and drive you from cheap auto insurance for teen drivers to some very expensive rates.

While studies have not been done to show exactly how cell phones themselves cause car accidents, they have been done to show that a sizeable amount of accidents occur because the at fault driver is distracted in some way. This includes changing the radio station, bending down to pick up something you’ve dropped, talking to friends, and talking on your cell phone. One of the biggest problems is text messaging while driving.

Even though most of us survived fine without cell phones in the past, many parents today feel it necessary to have a way to keep in touch with their teen’s while they are away. This makes it harder to enforce a rule of not using your cell phone while driving. What you can do is teach your teen about the consequences of driving recklessly and punish them by removing driving privileges when you find that they have been using their cell phone on the road.

If you want to try and get cheap car insurance for teen drivers, then you have to follow the same basic steps that you do when getting cheap insurance for yourself. One thing that you should watch out for, though, when adding your teen to your policy, is that the car insurance company will try to put your teenager as the main driver on the car that is most expensive to insure, and as a result your rates will raise. In order to get cheap insurance for teen and make sure that this doesn’t happen, you need to specify who is the driver of each vehicle and get everything in writing.

The typical cheap car insurance for teen drivers premium in Colorado is about a thousand dollars for male drivers, and a couple hundred dollars less for female drivers. Some parents will try to put their own name on the risky vehicle that their teen drives in order to get lower car insurance rates, but what they don’t realize is that this is fraud.

Many parents commit this kind of fraud every year without considering it to be fraud. Instead of getting yourself into this trap, the best thing to do is to buy your teenager a car that isn’t risky in the first place.