January 30 2009 by author in Uncategorized |
Reader’s Question:
My dad recently bought me a car for my birthday. I have to take care of all the papers and insurances for it. How can I obtain cheap young driver car insurance?
Lloyd
Boone, VA
Getting an insurance policy for young drivers can prove to be a challenge, because most insurance providers are asking for sky-high premiums. However, by following the tips, you can find out that obtaining cheap young driver car insurance is attainable after all.
1.) Train, train, train. Enroll yourself in a reputable school that can hone your driving skills. Make sure that they carry a Pass Plus course, which is designed to improve one’s driving ability, regardless of area or weather conditions.
2.) Stay on the good side of the law. A spotless driving record is one of the easiest ways in getting cheap young driver car insurance. Observing simple traffic regulations and steering clear of even the most minor violations can give off the impression that you are actually a responsible driver despite the age bracket you belong to.
3.) Security is of the essence. Most young drivers who get cheap young driver car insurance have found it helpful to install accredited security devices such as alarms and immobilizers on their vehicles. Insurance brokers place more favor on drivers who can take care of their belongings.
4.) Say no to modifications. While security alarms reduce the cost of insurance premiums, accessories such as hub caps and spoilers do just the opposite. Remember – the fancier the vehicle, the heftier the premium.
5.) Reward yourself a no-claims discount. Being a law-abiding driver has its rewards. Aside from keeping your record pristine, driving safely means getting a no-claims discount. And by discount we mean increasing your chances of getting a cheap young driver car insurance.
Reader’s Question:
My teenagers will get their licenses soon. Will it be possible to obtain cheap car insurance for young drivers if they have been involved in a drunk driving incident where their friend was driving?
Rich
Boston, MA
Massachusetts ranks six in states that have the most expensive car insurance expenditures according to the National Association of Insurance Commissioners (NAIC). This is due to the highly congested streets, high incidence of vehicle vandalism and theft, and insurance fraud. Residents had to pay a whopping $1,042 in 2006.
While rates have not decreased, the good news is that MA now chose to scrap the established system for setting car insurance premiums. With the new system, car insurance companies have the chance to engage in healthy competition, which essentially means that consumers have the opportunity to shop around for potentially lower and more affordable car insurance rates.
This will prove to be of advantage to you as you will be insuring your teenagers. Bear in mind, though, that this age group has the highest occurrence of accidents. So, naturally, car insurance companies will assess them with steep rates especially if they have been involved in a drunk driving case. While it was not their fault, the case may still be pulled up by the prospective insurer. So finding ways to lower the premiums on the state-imposed car insurance requirement is the best way to go. Have them attend advanced driving classes as this will automatically make them eligible for discounts. You can also get cheap car insurance for young drivers by taking the extra time to get comparison quotes from company websites in the Internet.
Reader’s Question:
Our son is going to be in college pretty soon and we plan to buy him his own car. I am afraid that there is no cheap car insurance for young drivers here in Iowa. We don’t want to pay too much, so what do we have to do to be able to get cheap car insurance for our son?
Ryan
Davenport, IA
It is still possible for your son to get cheap car insurance for young drivers in Iowa. The first thing that he can do about that is to keep good grades in school. A lot of car insurance companies provide some sort of discounts to students who have an average of B or higher in school. Cheap car insurance for young drivers can also be attainable if buy the right car for your son. Be reminded that sports cars and SUV’s won’t give your son cheap car insurance for young drivers. Those types of vehicles are the most expensive to insure because they are more likely to be involved in an accident and the cost to repair them is expensive.
Another advice that I could give your son to have cheap car insurance for young drivers is for him not to use his car every day. A number of car insurance companies would offer him low mileage discount if he drives below a specific number of miles every year. He could use public transportation from time to time to make sure that he won’t be over the limit for a low mileage discount. Also, to make sure he gets cheap car insurance for young drivers, he should install an alarm system, anti-lock brakes, airbags and other security devices in his car.
January 15 2009 by author in Uncategorized |
Reader’s Question:
My teenage son is about to get his Pennsylvania driver’s license. Is there cheap car insurance for young drivers that I can get for him?
Annie
Philadelphia, PA
It is quite understandable to seek for cheap car insurance for young drivers with all the price increases happening lately. Your teenage son has a high possibility of getting an insurance rate with a high assessment because of his young age. Car insurance providers commonly view young drivers, particularly teenage drivers as high risk because of their inexperience. Competition between car insurance companies out there can be quite tough. So in all probability it should not be too difficult to look for cheap car insurance for young drivers among the many car insurance carriers there in Pennsylvania.
It is perhaps safe to assume that your teenage son still lives in your home. It is also perhaps safe to assume that he still doesn’t have his own car. If this is the case, then it would be more economical to simply have him listed under your own policy. A teenage daughter added to your policy may increase your premium by at least fifty percent. On the other hand adding a teenage son could result in a hundred percent increase. Despite such an unavoidable escalation in your insurance premiums, it is still in actuality cheaper to include him in your own policy as compared to getting him his own even if you do find the cheapest rate. Your son can’t escape the fact of his age and inexperience. To somewhat lessen the burden, your son can take additional defensive driving courses. He can also do his best to maintain a good grade point average. Both would make him eligible for discounts.