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.
Good Student Discount Insurance
Reader’s Question:
What do I have to do to be able to get good student discount on my car insurance in Bakersfield, CA?
Carmen
Bakersfield, CA
Many insurance providers in Bakersfield, CA recognize and reward good students with a discount. This auto insurance discount is usually offered to single drivers under 25 years of age. This good student discount applies to Bodily Injury and Property Damage Liability, comprehensive and collision coverages and medical payments, providing that each such young driver meets certain requirements. You may be eligible for a discount if:
- you are a full-time students in high school or
- you are enrolled as full-time students in academic courses in a university or college
- you graduated from a 4 year university and presently have a good student discount applied to your current car insurance policy and the student had a grade average of “B” or its equivalent
Where Can I Get Cheap Auto Insurance In Las Vegas Nevada?
Reader’s Question:
I live in Las Vegas, Nevada and is it true that hybrid cars are cheaper on insurance because they have less power?
Donna
Las Vegas, NV
Hybrid cars may or may not be cheaper than vehicles with a normal gas or diesel powered engine. It depends on the underwriting rules and guidelines of an individual car insurance company to determine rates for vehicles, such as hybrids.
There are some insurers in Las Vegas, NV that offer discounts if you have a hybrid vehicle. Once such company is Travelers car insurance, in 2006 they became the first car insurance company to offer a discount for hybrid drivers through the whole US. They rolled out a state by state discount and thus by 2007 have 44 states in total that they offer this discount in.
Travelers offers the discount to hybrid owners because their studies has shown that hybrid drivers typically are lower risk drivers. Their research shows that many hybrid buyers are married, between the ages of 41 and 60 and safer on the road then many drivers. They are mature, experienced drivers that are trying to save on gas costs and thus are not typically known to be “lead” foots or risky drivers. There are other car insurance providers though that may actually charge more to insure a hybrid. This is because of the cost of repairs being higher than the same model with a gasoline engine. There are also more components to replace if certain areas of a hybrid car are damaged or inoperable.
Auto Insurance Cancellation In Maryland
Reader’s Question:
What is the difference between cancellation and non auto renewal of car insurance coverage in Columbia, MD?
Dustin
Columbia, MD
Cancellation takes place when the auto insurance that had been providing coverage decides not to sell insurance to you anymore, and the non auto renewal usually occurs when the policyholder neglects to pay the auto insurance company a premium. Generally cancellation makes it harder to obtain auto insurance than a non-renewal does.
Non-renewal means that the current insurance policy chose not to renew the insurance policy when it came time to being due again. Normally, this happens because the person covered on the policy makes too many claims during the time they were insured, such as driving under the influence, too many at-fault accidents, or too many tickets during the last three to five years. In case of of non-renewal, the insurance provider cancels the contract with the policyholder and, depending on the location; the driver of the vehicle would have to find comparative vehicle insurance. The insurer is required to send a notice of non renewal – usually thirty days – with the reason to drop your policy.
If you don’t pay your auto insurance premium on time, the car insurance provider has the option to cancel or cancel the policy. Your car insurance policy can also be terminated for misrepresenting information insurance providers find necessary about your risk level as a motorist or losing your driver’s license because to DWI or with an expired, revoked or suspended license. Some insurance providers may terminate your car insurance policy at any time, given that they give the amount of notice required by law, just because you are found to be a non desirable motorist.
Car Insurance For Good Drivers in Georgia
Reader’s Question:
Is it legal if I live in Northeast Cobb, GA and title a vehicle in FL so it would be cheaper? How would this affect auto insurance as well? Would it matter if I am a good driver with a clean record?
Brandon
Northeast Cobb, GA
It is not advisable to try and avoid paying the taxes due in one state on a car or try to pay less in taxes by titling a vehicle in a different state. It is considered fraud in most states if you do it in purpose in order to avoid taxes that a state requires on a car.
As for the car insurance concern, normally you need to insure and register your car in the state which you live (in your case in Northeast Cobb, GA) and the car is garaged. If your vehicle was titled and registered in FL you would be required to have FL insurance on it. Most insurance providers in Florida would be curious as to why the vehicle is garaged in GA but titled in FL and may not offer coverage since vehicle is not residing in Florida.
Alaska Auto Insurance Discounts For Safe Drivers?
Reader’s Question:
Can you explain to me what a Good Drivers Plan is? I live in Alaska.
Ray
Anchorage, AK
The Good Driver Plan is a rating program offered by some insurance providers in Alaska and in most states. This Good Driver Plan reduces your insurance rate if you have had no traffic violations or accidents within a specified time period.
There is also a plan called Safe Driver Plan. This Safe Driver Plan has a rating system that assigns points for traffic infractions and certain accidents. Each point increases the surcharge percentage to the baseline insurance rates similar to a merit-rating plan. Therefore the Safe Driver Plan rewards motorists for being safe and without violation infractions or accidents while penalizing those with a poor driving record.
Good Driver Insurance Discounts
Reader’s Question:
What kind of insurance discounts can I get from insurance providers in Kentucky if I am turning 50 next month. In addition to that I also have a good driving record for several years.
Martina
Lexington-Fayette, KY
Congratulations on having a clean driving record for many years.If you are lucky enough to be retired, some insurance companies will provide a discount to retirees receiving a certain type of pension. There are also some discounts provided to the mature driver however many insurance providers start this discount at age 55.
There are also other discounts that you may want to ask for when renewing your car insurance or starting a new one. Some insurers will give you a discounted rate for low-mileage vehicle use, two or more cars on one policy or having loss prevention devices installed in the car (car alarm, etc). Many insurance providers in Kentucky will give long-time policyholders with no claims and a good driving record or safe driver discount.
Auto Insurance Company Question
Reader’s Question:
What exactly is the definition of motorist list only status? What is the difference between unrated and list driver?
James
Atlanta, GA
Each insurance providers has their own terms they use when they rate an individual for an insurance policy or how they list an individual on a policy. Each state has different requirements for household members and how they are listed, excluded, rated or excluded with surcharge on a policy.
Some states require that all residents be listed on a policy, but in some instances you may want to exclude coverage for a household member.
Since insurance companies have their own different definitions for drivers’ statuses, so you may consult with the insurance provider you know that is using this specific auto insurance terminology or read through the terms of their policy to see what their intended meaning is for “list only” and “unrated” motorists.
Cheap Auto Insurance Discounts
Reader’s Question:
What discounts will be available that I can take advantage of to get a cheaper auto insurance rate?
Dan
Newark, NJ
There are many types of discounts available to the average motorist.
Make sure to ask if you qualify for any discounts for a cheaper insurance when getting your car insurance policy set up.
Some of the common discounts you might be eligible for are:
1. Multi-Vehicle- if you insure more than one car with the same insurer, you can get discounts.
2. Defensive Driver Courses- if you have just taken a defensive driver course (this is only available in some states).
3. Safety features- if you have a airbags, car alarm, anti-lock brakes, or automatic seat belts in your vehicle.
4. Multi-line- if you have car insurance and homeowners through the same carrier
5. Pay in full or through EFT (electronic fund transfer)- you can save on finance charges if nothing else.
6. A full time student with a grade average “B” or higher (only available with some insurance providers).
Car Insurance Discounts – Who Offers Them?
Reader’s Question:
Which insurance companies offer a discount for security systems and what kind of security system does it have to be?
Liam
Austin, TX
Generally, most car insurance providers will allow for an anti-theft discount which would apply to Comprehensive coverage. The discount can vary from a 5% to 20% credit. Usually this is applied to cars with a passive disabling device which renders the fuel, ignition or starting system inoperative.
Many newer cars have this type of system already installed as standard equipment. The discount usually also extends to cars with LOJACK devices. In most cases, proof of installation like service order a receipt must be provided.
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