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!
Cheap Vehicle Insurance Rates In Houston Texas
Reader’s Question:
I was surprised when I renewed my car insurance. I was charged a higher rate because I moved to Houston, Texas. I use to live in a suburban district also in Texas. Does living in a city really warrant an increase on my car insurance rate?
Deidre
Houston, TX
Always remember, Deidre, that automotive insurance companies compute premiums based on risk factors. The combination of these different risk factors will determine the eventual amount of premium you will have to pay. Most insurance companies take into consideration the following factors that may affect your car insurance premiums: Geography, age, marital status, gender, driving record, vehicle, credit rating, occupation, and insurance claims.
Since you mentioned you transferred to Houston, Texas and got an increase in your premiums, this means that your car insurance company took into consideration your Geography as a risk factor. What makes Houston at a higher risk is because it is the 4th largest city in the U.S. It would mean that more vehicles will be on the move at any given time, giving a higher probability of a car accident to occur. And the insurers don’t like higher probabilities of accidents because that will mean more automobile insurance claims. We’re not just talking about higher incidence of road accidents, but also higher incidence of car theft and vandalism. For sure, area with a high crime rate qualifies automatically for a higher car insurance premium. However, Deidre, you can reduce your premiums too on account of a good driving record. If you can establish that you are not a road risk, your car insurance company will recognize this and will give you discounts on your premiums or they will give you higher deductibles for your comprehensive car insurance coverage.
Very Cheap Auto Insurance For Safe Drivers
Reader’s Question:
I have car insurance right now. I would say it’s not that expensive and it’s still affordable. I just wanna know what should I do to keep it that way? I mean, how could I keep my car insurance rate in Connecticut to be at affordable price?
Izabella
West Haven, CT
Hello Izabella!
I heard from my brother who is a car insurance agent himself that in order to keep the auto insurance premium down, follow these simple tips:
1. Always drive safely. As you see traffic violations and accidents are eye sore to auto insurance companies and they always cause an increase to car insurance rates.
2. If you can have enough money to pay the amount of deductible in an event of a loss, then increase your deductible.
3. If you are driving an old car, you might want to consider removing collision and comprehensive coverage on your car insurance.
4. If you are thinking on buying a new car, I would suggest go away from expensive cars because they would increase your car insurance rate.
5. If you are a teen or has a teen daughter or son under your auto insurance policy, demand for good grades.
6. If your age is over 62, consider getting a defensive driving class which will qualify you for a discount.
7. Always shop around. You’ll get difference car insurance quotes from different auto insurance companies.
Don’t forget to ask your auto insurance agent in West Haven, Connecticut for discount that your insurer is offering. Also ask the Connecticut Insurance Department for other questions you have regarding car insurance rates in your area.
Teen Speeding Ticket and Increased Car Insurance Rate Help
How can you remove the speeding ticket from the driving record and insurance record of your 17 year old Illinois state resident? Is there a simple and easy way to remove this black mark from your teenage driver record?
Since you are only 17 years old you might still be in the initial licensing phase, and part of the restrictions of the graduated licensing system includes a written warning to the parent or guardian and the teen driver if convicted of any traffic violation before the ripe age of 18.
If the driver is convicted of 2 moving violations within a 24 month period, this can result in a suspension of the license with a minimum of 1 month. The time length of this suspension can vary depending upon the seriousness of the offenses and the teen’s previous driving record. This of course will increase your car insurance rate teen will have to pay each year.
Ohio and the state of Illinois are part of the Driver’s License Compact (DLC). Ohio will inform Illinois of this speeding ticket for 22 mph over the limit that you received. It is not noted by the IL Secretary of State specifically that out of state tickets are put on your driving record so you may want to contact the Secretary of State to get more information about this. We can help lower your teen insurance rate.
Cheap Senior Car Insurance Rate Quotes
Reader question:
I’m reaching retirement age and I know that means that there will be some changes on my auto insurance policy. Can you give me a hint as to what I have coming?
Gilbert
Great question, Gilbert.
Whenever you get to that point where it is time to retire, you reach the point of your car insurance history where you will have the lowest rates ever. This starts when you turn fifty and officially become a part of the car insurance industry’s lowest risk group, those who aren’t quit middle aged but aren’t quite seniors. It will last until you reach sixty five, generally, so enjoy it while you can.
Now that you are of this age, it is true that there are some changes that can be made, and not just in the initial rates. If you are around fifty five, you will be open to discounts marketed specifically for seniors, and as a retired person, you will probably be able to get some kind of car insurance discount through the American Association for Retired People, or AARP. Most car insurance companies will do whatever trey can to help you get better rates, because you are part of their favorite risk group.
If you have a long history of safe driving, you can get extra discounts for this, and you might want to consider taking a defensive driving course through AARP. If you take a course, you could get as much as a fifteen percent discount with some companies, and it couldn’t heart to remind yourself a bit. Another good way to go is to make sure you are doing well healthily. You are reaching the years in which the health states to decline, and getting regular eye and medical exams can help keep car insurance companies confident that you are road safe.
As soon as you turn seventy, though, your rates go up again because of failing health and the statistically greater amount of accidents in this age group. Save your money while you can.
Cheers,
Fashun Guadarrama.
What is The Cheapest Car Insurance State?
Reader question:
Do the cheapest car insurance rates differ by state?
Emily
Yes, they absolutely do.
Car insurance follows the same guidelines as does cost of living, as anywhere you move you will have different expenses. One place you might be able to afford comprehensive and collision coverage, and in another you might have to just stick with your basic liability as required by law. Some states are cheaper than others when it comes to the cheapest car insurance rates. Although car insurance rates do change in the same way cost of living does, though, that doesn’t mean that high cost of living corresponds to high car insurance rates. Living in L.A., for example, costs a lot, but the car insurance premiums aren’t so bad.
And while you can get the amount paid by the average car insurance policy holder in each state, you should also keep in mind that in every state there are significant highs and lows which can throw off the balance. Someone living in a rural area and not needing to driver very much may pay way less than the state average, while a dweller in a sprawled out urban area may pay much more, so that it all evens out.
Car insurance rates are always going up. For the entire country of the U.S., the average car insurance rate per year is about $2,500. That’s almost seven percent more than it was last year, and was gotten from a random sample of car insurance quotes.
On the subject of increases, there are certain sates that have more than others. Louisiana car insurance rates have gone up by 22%, probably because of all of the Katrina car insurance claims. State like South Carolina and Nevada are also seeing bigger rising rates. New Hampshire does the best with a decrease of almost fourteen percent, with North Carolina and Rhode Island close with it.
If you want to know who has to pay the most for car insurance, it’s the New Yorkers. This is the only state that you have to pay more than three thousand a year on average, although New Jersey is close. I would say it’s because of the billions of dollars gained by fraud in the state every year, about 70% of which is from car insurance fraud.
Cheers,
Fashun Guadarrama.
Very Cheap No Fault Florida Car Insurance Rate Quotes
Florida has had a history of murky car insurance provisions for a while. In the eighties, lack of oversight and enforcement lead to about one out of every tree cars driving in Florida being without car insurance, and in some highly populated areas, such as Miami, the numbers were as great as two out of three. This all changed when the no fault Florida car insurance laws were introduced, required every Florida resident with a vehicle registered in the state to carry personal injury protection coverage, as well as allowing cops to ask for insurance when drivers were stopped and required that car insurance companies tell the DMV when a car insurance policy is dropped, cancelled, or not renewed.
But on the first of October this year, that all might change. The no fault insurance law is sun-setting this year, and the legislature is showing no signs in being interested in renewing it. This is despite the fact that the sunset of this law will mean that checking car insurance for traffic stops and notification for dropped policies will no longer be required, making it particularly difficult for the DMV to locate people who do not have insurance and punish them.
The punishment component will still exist, with a possible $600 fine and two months in jail for anybody caught without insurance. However, the only ways to be caught without insurance are to either get into a car accident or get our car registered.
Many people think that this will lead to another rise in uninsured drivers. People, they say, can just get insured one day, go get registered, and then cancel their car insurance policy to get a refund the next. As for car accidents, the heavy penalties for lack of insurance are likely to create a higher incidence of hit and runs from uninsured motorist scared of the consequences.
Cheers,
Fashun Guadarrama.
Will a Speeding Ticket Affect My Car Insurance Rate?
Reader question:
What happens to my car insurance rates if I get a speeding ticket?
Joe
Fantastic question.
There is a high likelihood that nothing at all will happen, because yolur car insurance company might not even find out. Car insurance companies learn about things like DUIs and speeding tickets whenever you first sign on board as a policy holder, and then once you have stared with them they check your motor vehicle report about once every three years to see what’s been going on. If you get your speeding ticket right after you sign on, then they might never even know, since most tickets drop off after three years.
However, even if they do know, in many cases they won’t raise your car insurance rates anyway. This depends mostly on whether or not the speeding ticket that you got was your first one. Like with at fault accident, most car insurance companies are willing to offer you forgiveness for your first serious moving violation without it affecting anything such as your rates or your safe driver discount. It’s also true that in many states the car insurance companies are required to let your first speeding ticket go by law.
Cheers,
Fashun Guadarrama.
What Are The Different Types of Car Insurance?
There are actually different types of car insurance. The best thing to do is to figure out what type of policy best fits your needs. Most states would actually require you to have a minimum amount of liability insurance. These insurance includes bodily injuries which pays your legal fees and claims made against you, if you or someone driving your car with your permission, kills/injures someone. Its the same with property damage liability, only this covers legal fees and claims against you or someone driving your car with your permission for damaging someone else’s property.
In some cases when you are hit by uninsured, underinsured or a hit and run drivers, a few states require you to have uninsured motorist coverage which pays for medical fees and property damage expenses for you, your family and your passengers. This is only available in few states so you may discuss this with your local agents.
You might also want to consider the type of cars you are (or going to be ) using when purchasing an insurance. You may carry collision and comprehensive coverage if you’re driving a late model car. The collision covers payment for repairs due to fire, vandalism, theft and other acts of nature. But if you are driving an old car, it would be best to drop collision and comprehensive coverage altogether especially if the car is worth less than the insurance.
I would also suggest that you insure with the same company if you have more than one car. This can save you on your yearly premiums. You may check with your local agents for the best car insurance rate.
If you are still shopping for a car though, you may choose a low maintenance and low profile cars. Cars that cost a lot for repairs, cost a lot more to insure.
And of course, if you’re a student or a teenager the best way is to take a driver’s education course and keep a clean driving record. Like what they always say: “drive safely”.
Just remember that when it comes to car insurance, comparison shopping is difficult. Just be aware of the combination that contribute to your premiums so you may know what policy to get.
Cheap Car Insurance in New Hampshire For Good Drivers
In any State, the way to have the best rate for car insurance is to have a clean driving record. In New Hampshire, if your car is not financed but you have a spotless driving records, you are not required to buy any car insurance. But this has limitations. For instance, if you are convicted of a DWI (Driving while Intoxicated) or DUI (Driving under the Influence) you will be required to buy for at least 3 years of car insurance. So best way obviously to get or keep your insurance low is to drive safely and obey traffic rules all the time.
You may also consider dropping your car insurance if you are driving an old car. Your car insurance wont pay for the repairs anyway.Check for any programs with your insurance company regarding driver’s refresher course. This would help lower your monthly premiums if you are 55 or older.
If you are a teenager and still in school, make sure to get a clean driving record. Check with your insurance company also if you are entitled to a “Good Student Discount” on their car insurance.
Make sure you check online and shop around so you can compare car insurance prices. This will ensure you of getting the best car insurance rate in New Hampshire.
Goodluck!
-MariCAR
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