I’m just a teenager and I plan to just be under my Mom’s car insurance policy here in Arizona. Do I need to be living in the same house as they do to be able to do that?

Kobe

Phoenix, AZ

Some age groups are favoured when it comes to car insurance premiums in the same way that other age groups are not. No matter which age group you belong to, you can still be able to get some discounts for your car insurance policy. It would be to your advantage as a driver if you are a part of a low risk category. However, as a teenager, you are otherwise classified as a high risk driver by car insurance companies for certain reasons. For one thing, you don’t have enough experience to boast to be able to be considered a good driver to deserve much lower car insurance rates. Another reason is that teenagers are more likely to be reckless when they drive.

One way to save on your teen car insurance is to be under your parent’s car insurance policy. And to answer your question, yes, you have to live in the same house as your parents do to be able to be under your Mom’s policy in Arizona. The car that you will be using should also be under their name to have this option for your teen car insurance. If you already have your own car and don’t live with your parents, you still have other options to be able to save on your car insurance. The best route that you can take is to obtain as many teen car insurance quotes from different car insurance companies as possible. Once you have collected enough quotes, you have to compare them and choose among them the most affordable quote that suits your needs.

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.

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.

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.

Why are teenager’s car insurance rates high?

Therese

Good Question Therese.

Insurance rates are usually based on statistics. According to statistics, teens more likely get involved in an accident. Teenagers have a very high rates of fatal and nonfatal crashes compared to adult drivers. Whether the rates are based on total number of teenagers or miles driven, teens have more crashes in cars. When the crash involvement is based on the number of licensed drivers instead of the total population, the fatality rate of the teenagers are more extreme compared to drivers age 20 or older.

Here are some tips that may be able to help you lower insurance rate for teens.

1. If you stay on your parents policy, you could save money. This would increase your parents premiums, but it is much cheaper compared from you starting anew policy. Discounts may be available if you have driving experience.

2. Discounts from some insurance companies like getting good grades or taking driving class may be available for you. But this does not mean that you will get lower insurance premiums than an adult with more driving experience already.

3. Your rates will drop as you get older. You will notice a drop as much as 28% at the age of 19. An additional 31% may drop at the age of 21 in your insurance premiums.

Lastly, try to maintain a good credit history and a clean driving record so you can be eligible for more discounts in the future.

Goodluck!

MariCAR

Should I get my daughter a non owners policy since she does not own a vehicle? She just got her driver’s license.

Linda

Good Question, Linda.

Generally, it is actually much cheaper if you add her to your insurance policy rather than getting a separate insurance for her. You may be able to get a discount from your insurance company for multi-policy if she will be driving her own car.

As soon as your teenager begins to operate a vehicle, you will need to notify your insurance company that you will add her as an additional driver in the household. Since teenagers are inexperienced in driving, you will notice a higher premium on your insurance, since according to statistics, they tend to get involve in an accident.

You may expect your insurance rate to go up as much as 50% if you add a teenager in you policy. A son however will increase a premiums for as much as 100%. You may consider increasing your liability limits for additional protection.

Please note that some non owners policies do not cover vehicles that are owned by a member of the same household.

Goodluck!

MariCAR

The truth is that you don’t have to start eating boiled rice every night and one raw egg for breakfast every morning, move into a tent under the overpass, and wear a hat to keep out the rain. Even teenagers can get a teen car insurance rate with little effort that doesn’t break the bank.

Instead of trying to cut out everything but water, roots, and berries from your budget, start thinking of all the ways that you can save money on your teen car insurance rate. That birthday doesn’t look so scary anymore. Let’s look at the options available to you.

• Discounts

Lots of companies have discounts that are available to lower your teen car insurance rate. If your teen only drives a couple of miles to school every day, then it’s possible she is eligible for the low mileage discount. If she makes good grades, there’s a discount for that, and if you enroll her in a driver’s ed course, there’s on for that as well.

• Deductible.

Raise the deductible for the entire policy to lower your monthly premium. If you do this in addition to taking other measures that will keep your teen from getting into a car insurance accident, then you can lower your teen car insurance rate pretty substantially.

• Coverage.

Think about it. Do you really need a thousand different kinds of coverage? You might want to keep full coverage on your teen’s car, just in case, but if your own car is worth less than a thousand dollars, then there’s really no point. Cut your coverage down to the minimum liability required in your state, because that’s where most of your teen car insurance rate is coming from.

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.

This is a terrible (and I mean emotionally terrible, not badly made terrible) video that was filmed by a couple of high school students and their teacher about a teen drunk driver. If you don’t have the time to devote to watching the film, in the end the seventeen year old teen drunk driver survives with injuries, while the classmates that were involved in the crash but were sober die. It is a story of guilt that a lot of drunk drivers go through, and the problem is that most people who drive drunk are not malicious at all, but their stupidity can cause such horrible results.

A teen drunk driver is less likely than an adult to consider the consequences of his or her actions, which is why drunk driving is higher among teenagers, despite it being illegal for them to drink. When I was in high school, it was simply something that people did, and most drove while drunk because they were scared of what will happen if their parents found out they were drinking. While I don’t think a parent should accept that their teen is drinking, I think at times you must sacrifice discipline for safety. For the sake of your teen, make sure that they know that if they are ever drunk and need a sober ride, they can call you and you will be there for them.

However, you should also take measures to make sure that that never happens in the first place. One way is by educating your teen about the statistic involving teen drunk driver deaths. For example, the main way that teenagers die in the United States is through car accidents, usually caused by themselves. Thirteen percent of the car accidents involving a death are caused by drunk drivers, and forty percent of the time that is a teen drunk driver.

Nobody wants their teen to drink, but it is almost unavoidable, statistically. According to research, ten percent of 12 to 13 year olds partake in alcohol once a month or more. Just think of how much that increases by the time they get their license.

I would say that the best way of making sure that your teen does not become a teen drunk driver is by instituting your own graduated licensing program if your state does not have one. Either require that your teen have you or another trusted person with them when they go driving, or don’t let them drive at all. Give them more driving privileges as they grow older and become more responsible.

If you’re interested in teen driver safety for your son or daughter, then you should avoid buying them an SUV, or allowing them to buy one for themselves with their own money, until they are out of your house. The video above details the inherent danger of sports utility vehicles when they are under the control of teenagers, and the gap between the safety of an SUV and that of a regular car is growing all the time.

Last year, in relation to deaths from car accidents, eleven percent more deaths resulted from crashes involving SUVs than those that didn’t. At the same time, SUV’s have been selling far more vehicles, so we will only see those statistics rise, taking a big toll on teen driver safety.

While many of the newer sports utility vehicle models have roll over protection on them, this doesn’t always work, and when they don’t have it, rolling over is a very dangerous possibility. It is one of the things that makes the SUV most dangerous for the driver and passengers, and when teen driver safety is compromised by both the vehicle and by the fact that teenagers are more likely to take risky actions that would cause a roll over, you have something to worry about.

Another reason that SUVs are dangerous is that they have bumpers that are higher than those of other cars. These bumpers come to the level of the driver and passengers of a smaller car, and are thus more likely to cause injuries and fatalities, instead of doing what their supposed to do, which is hit the body of the car or the other car’s bumper and absorb the impact.

Not only do SUVs compromise teen driver safety, but they come at a heavy price. Most car insurance companies charge more for SUVs than they do for other cars, although if you have safety features installed, you might be able to get a discount.