Cheap Young 19 Year Old Driver Insurance
Reader’s Question:
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.
18 Year Old Teen Driver Insurance in Washington
Reader’s Question:
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.
Teen Driver With Learners Permit Insurance Rate Quote
Reader question:
My son just turned fifteen and is studying to get his learner permit. Do I have to add him to my policy when he gets it? Isn’t a teen driver insurance rate so much higher?
Gabby
Thanks for asking, Gabby.
Yes, you do have to add him, and yes, a teen driver insurance rate will be higher than the one you currently have. You gotta do what you gotta do, though, and if you do it right, then your teen driver insurance rate does not have to be exorbitant. Here are a few steps to follow when insuring your teen driver.
- Keep it in the family.
A teenager should not have his own car insurance policy, even if they have a job to pay the premium. While adding a teen driver insurance rate to your own policy may seem undesirable, it will come out cheaper than two separate policies. Your teen being on your policy will lower his risk rate, and give him cheaper rates. Not so great for you, but since you’ll probably be helping out with the payments, it’s best to have a lower total than one lower and one very high.
- Keep the grades up.
When your son starts driving, he can get a good teen driver insurance rate if he makes good grades in school. Make an ultimatum. Good grades, you drive; bad grades, you walk. You’re killing two birds with one stone, there.
- Keep looking.
Anytime you’re about to make a major change in your policy, you need to look at what other companies have to offer. Your teen driver insurance rate from one company may be much better than the teen driver insurance rate you have with the company you already own a policy with, because at your current company teens might file more claims.
- Keep it crash worthy.
If you buy the right car, not only can you get a discount on your teen driver insurance rate, but you can also be sure that your teen is more protected while on the road.
- Keep it safe.
Don’t just buy your teen the car and let him loose. Make sure that he understands driving safety, and enroll him in a driving course or two to enforce that understanding. Keep on top of his driving habits and correct him when he is out of line. If he ever wants to get a cheap teen driver insurance rate, then he needs to start his good driving record ASAP.
- Keep it real.
You can’t just tell your son to drive safe, you have to lead by example. Drive well, follow the laws, and try to drive a safe car to show him what should be done. Point out how you drive to him, and use it as a conversation starter on driving safety.
- Keep it innovative.
Many states have adopted a graduated driver’s license program which restricts teen’s driving priveleges while they are younger, and as they get older allows them more freedom, until they reach the age of eighteen. Even if your state does not have this law, you can ensure driver safety by creating a system of your own just for you and your son.
Cheers,
Fashun Guadarrama.
What Student Driver Auto Insurance Discounts Are Available?
Reader question:
What kind of discounts can a student get on her teen driver insurance?
Ruth
Thanks for asking, Ruth.
Being a full time student and having to pay the much higher teen driver insurance prices would be difficult for everyone, but if you take advantage of all of the teen driver insurance discounts that are available to you, you could get your rates down to something lower even than your parents. All you need to do is pick the right company that has the highest discount percentages, the best service, and the best quotes.
- Are you a good student?
Most teen driver insurance companies will offer a discount for those students who make good grades in school. The requirements differ, but what is more often than not required is that the teen be a full time student and be able to provide either a transcript or a report card proving the good grades.
Then there are the requirements that vary depending on the teen driver insurance company. Some will require that you have been driving for at least a year and a half; others that be over sixteen but under the age of twenty five if unmarried, twenty one if married. The grade requirement is usually a B average, and between a 3.0 and 3.5 grade point average.
Some companies give better discounts than others. Farmers insurance, for example, has more restrictions, but the teen driver insurance discount for good students is 25%, whereas the same discount with GEICO is only ten to fifteen percent.
- Do you need a car anyway?
If you have teen driver insurance on your parent’s policy, then it might be good for both them and you if you leave your car at home when you go away to college. This depends on where you’re going, of course. Most companies only give out this teen driver insurance discount if you will be going to school one hundred or more miles away.
You’ll still be insured when you’re at home, and while you’re at school it’s a lot easier to get by without a car if you’re living on campus. It can also save you guys a good chunk of change on your teen driver insurance premium.
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