Cheap Teen Car Insurance Rates?
Reader’s Question:
I am a 16-year old driver turning 17. My dad is planning to buy me a new car as a Christmas gift. I heard that car is one of the factors in getting lower auto insurance premium. What are the cars that are cheap to insure in Santa Ana, California? I just wanna make sure that my dad’s car insurance rate would be affordable that’s why it’s ok for me if he’s gonna buy me an inexpensive car.
Dante
Santa Ana, CA
That’s nice to hear Dante.
It’s true that the more expensive your car is the more expensive the auto insurance premium would be. To answer your question, according to vehicle retailers, the following are considered to be inexpensive to insure for the first 5 years of ownership:
- Chrysler PT Cruiser 4dr Wagon
- GMC Safari SLE AWD 3dr Minivan
- Dodge Caravan SE 4dr Minivan
- Saturn ION 1 4dr Sedan
- Pontiac Sunfire 2dr Coupe
- Jeep Liberty Sport 4WD 4dr SUV
- Saturn L300 1 4dr Sedan
- Volvo S40 4dr Sedan
- Saab 38600 Linear 2.3t 4dr SportWagon
- Buick Century Special Edition 4dr Sedan
Remember that aside from the car you are driving, there are still several factors that affect auto insurance rate in Santa Ana, California. For more information about factors that cause auto insurance premium to go up or down, don’t forget to ask your car insurance agent. Happy car shopping!
Good Driver Insurance Quote For Teenager
Reader’s Question:
I am a working mom with two daughters. I would be adding my teen daughter under my car insurance policy soon. I am afraid that I will be charged of higher auto insurance rate. That’s why I’m doing everything that I can to check on the things that would help me save on my car insurance premium in West Adams, Colorado. I am just wondering why is it expensive to insure teens?
Trinity
West Adams, CO
I totally understand your situation. I am a mom too and adding my teen son under my car insurance policy is a nightmare. As you see Trinity, it is a fact that higher number of deaths for teens are mainly because of vehicular accidents. And that’s one of the main reasons why it expensive to insure teens nowadays.
To be exact, according to the American Academy of Pediatrics, vehicular accident is the cause of death for one-third of people with ages ranging from 16 – 20. That’s a very high number I would say.
There’s still hope that you could save on your auto insurance rate in West Adams, Colorado. You could ask your car insurance agent for one. And I would also suggest checking on the websites is a very effective way of getting competitive car insurance rates from different insurers.
Cheap Young Driver Insurance
Reader’s Question:
Is it true that insurance providers offer car insurance discounts for teenager who take a Driver Education course?
Blanche
Los Angeles CA
Insurance providers do give a car insurance discount for young drivers that have taken a driver education class. These insurance providers believe that it is important for new young drivers to take a driver education class if offered by the insurance provider since it is helpful as they learn to drive automobile for the first time.
In some states it is required for the young drivers to take a driver’s education class and that is why no car insurance discount is given to some. Defensive driving class or driver education course are also used by most states in lieu of driving points after receiving an individual receives a traffic offense violation.
Young Driver Auto Insurance
Reader’s Question:
I’ve just recently relocated to Birmingham, Alabama. I have a teenage daughter who is just starting to learn how to drive. My question is—Should I buy insurance for her, or since she’s going to be using my car, will she be covered under my auto insurance policy? Thanks!
Sue
Birmingham, AL
Everyone I think aged 25 and above needs to have his or her auto insurance for the car he or she is driving. If you already have your own license and your own car, you must have the car insured. But, of course, since your daughter is just learning how to drive, I don’t think she’s already 25. Kids who are just learning how to drive cannot have their own auto insurance policy because you need a valid drivers’ license to get car insurance. If your daughter is just currently learning how to drive, I’m pretty she would be covered under either the high school’s insurance policy or the driving school’s policy. After she gets her drivers’ license, then that is the time to take an insurance policy for the car you’re giving her this Christmas!
Since she only has a learners’ permit now, and the car she’s going to drive is yours, she would covered under your policy. I think that most auto insurance policies are whole-family policies since they don’t expect that each family member has his or her own car to drive. Of course, there will be car-borrowing involved. If I were you, I’d call an insurance company/agent there in Birmingham, Alabama to ask the necessary questions. Choose wisely because things are different from one company to the next. Tell your daughter, Sue, that I said happy driving.
New Driver Car Insurance – Why Does It Cost So Much?
Reader’s Question:
I’m a new driver here in San Francisco, CA. I still don’t have a car but I’m planning to get one, hopefully soon. I’m totally clueless when it comes to auto insurance stuff. Can you give me some tips on this?
Paige
San Francisco, CA
Sure Paige! The very basic thing you should know is what does California law requires for auto insurance coverage.
California State Law requires every owner and driver to maintain financial responsibility for accidents and there are four ways to establish such responsibility:
1. coverage by auto insurance policy;
2. a deposit amounting to$35,000 to Department of Motor Vehicles (DMV);
3. a surety bond amounting to $35,000, which must be acquired from a duly licensed company in CA; and
4. self-insurance approved by DMV
Now, let’s consider the types of auto insurance policies. Being in Bay Area also means getting an expensive auto insurance. Usually, there are 3 types of policy offered – preferred, standard, and assigned. Each policy differs in price and coverage.
Standard policy is for drivers with less traffic violations and/or cancellation of past polices. This policy offer lower premiums as compared to other kinds of policy. Preferred policies on the other hand are for California residents who have good driving history, (and I mean “clean” driving record) for three years. Lastly, Assigned Risk polices offer the most expensive rates but at the same time the offers the least amount of coverage.
I would also suggest for you to check on auto insurance companies. You can compare quotes here easily and faster and get the best policy that you think meets your needs.
I Need Cheap Car Insurance For My Teen Driver
Reader Question:
I just turned 17 last week and just received my driving licence. Im still thinking of what car to get. What is the cheapest car insurance plan for me?
Allan D.
Good question.
The less expensive car you have, the less amount you will be paying for your car insurance. Popular cars like Honda Civic,Ford Focus etc are some examples of less expensive cars but not really advisable for young drivers since light vehicles have the highest death rate. You might also want to consider setting up safety features on your car like side air bags, anti lock brakes etc. These features can lower and provide you discounts on your auto insurance plan.
You can also save a lot if you stay on your parent’s policy. It will increase your parent’s premium but still less expensive if you start with your own policy. Young drivers like you can also avail for discounts if you have good academic record.
Just try to get a clean record for driving. In time you will notice having good credit history and clean driving record will lower your insurance rate.
Goodluck
-MariCAR
Car Insurance For 16 Year Old Student Driver
Reader question:
My son is sixteen now and he’s going to need to get teen car insurance. How do I do this?
Amelie
Glad you asked.
Dealing with your little child growing up is hard for any parent who is used to their kid depending totally on them for all of their wants and needs. When a child comes to that age where he or she is able to drive a car, whether it belongs to them or not, a whole new avenue of freedom opens up that many parents find it difficult to deal with. Not only does your kid need you less than ever before, but you now have a whole lot more to worry about, considering that one of the leading causes of death among teenagers in the United States is a traffic accident.
When a kid does come to that age, though, one of the most important things is to make them safer and take more responsibility by purchasing car insurance for the student driver. Car insurance is required by law, even if you’re kid does not own the vehicle he or she is driving. If they’re driving your car, insurance with only your name on it will not suffice, although it does sometimes work when they get in an accident and you are making a claim. You shouldn’t take your chances, though.
Hooking your teenager up with car insurance may not make a difference in how they drive, but it will assuage your worries quite a bit concerning what happens to them on the road. If you buy car insurance for the student driver, you can be sure that if your child acts irresponsibly and damages your car due to teenage decision making, you won’t have to worry. Most importantly, you can also know that if your kid is on car insurance for the student driver then, if he or she is injured in a crash, they can get the medical care that they need.
Cheers,
Fashun Guadarrama.
First Time Driver Video For Girl Drivers
This video was pretty funny…..but boy is it needed for silly girl drivers like this. I can only imagine what these girls are really like behind the wheel of a car. Can these girls really get car insurance? Oh man……I guess they will insure anyone for a price.
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