Best Car Insurance For Young Drivers

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Your Questions About New Driver Car Insurance Advice

June 30, 2013

Susan asks…

I recently hit a parked car, I have state farm ins.The accident was my fault . Should I go thru ins?

I hit a parked Suv’s back bumper. I damaged my car, the accident was mostly the result of a very loose power steering belt. I have a few tickets on my record,but most of these are old and in NY get erased from your record after a time (I only have one speeding ticket the rest were minor or parking). I have never been in an accident as the driver. Im wondering if I should go thru ins or not, the estimate the person gave me for the bumper (it has a pretty bad gouge in it) was 600. If I put a claim in, will my insurance go up >? I only have minimum coverage, no collison etc. Im not sure what to do, I dont have alot of money but I dont want to screw myself, either. THANKS IN ADVANCE for any advice.
Oh, I have already fixed my own car btw (my father is good with cars)because thee right headlight was damaged and I needed to get to school.
thanks for the answers. my father tightened the belt already (right after). the thing would screech loudly esp when i turned teh wheel all the way, and it would shake and hang up a bit making it hard for me to get out of tight spots. I dotn think it slipped, but it definetly shaked and screeched. I guess I wont put a claim in, if the ins goes up,and something else happens I may screw myself (I am commuting to school somewhere I now I have to parellel park all the time). thanks for the advice.

Administrator answers:

Unless this loose power steering belt was slipping (slow steering, probably squealing) and then suddenly grabbed hold, or vice-versa, it’s still driver error.

If you put a claim in your insurance will probably go up a little. This won’t be a huge claim (though that person’s estimate might be really low, unless they work in a body shop)

You have liability insurance for this sort of situation. The only condition under which you shouldn’t use it is if it really, legitimately IS something that will cost less than your insurance would go up. Unless you’re going to make a habit of this, this is probably not one of those times.

(It could be, but only if the damage is limited to paint, and it’s an easy spot to fix. This is not likely, but it is possible)

Oh, and get that belt fixed. Some power steering racks are not designed to be operated without power for extended periods of time. You may be doing permanent damage to your car.

Mandy asks…

what is the cheapest way to fix my side bumper on my car?

i have a 2004 white s40 volvo (the earlier model of that year)..i scrapped the bumpers on the 2 driver side doors…i waxed them and the paint is scratched and rubbed off in various areas of both bumpers..( if this is what they are called)…being its not a new car but i keep it very very clean new.. i want it fixed..but afraid it will cost alot at a repair there any advice out there..pop them off sand and paint mysel? there aNY TRICKS? OR SHouLD I GO TO A SHOP AND WHAT WOULD BE THE LIKELY COST OF THE LITTLE BUMPERS PAINTED? THANKS FOR YOUR INPUT! sorry for the caps! lol

Administrator answers:

There is a simple answer to your concern . First off stay away from dealers . They must pay the General manager, manager, assistant manager, controller, bookkeeper, phone operator, body men, sanders, painters, prep guys , and referral fees to insurers. Find a couple of private 1 or 2 man shops and tell them you have no insurance ( even if you do ) for what you mentioned its probably less than $ 400 .

Jenny asks…

do i have to be 25 to drive a sports car in UK?

I’m thinking of getting the Audi TT as my first car. i know it’s expensive, but i can save money and buy it. a friend of mine told me that you have to be at least 25 to drive ( He’s a driver). is it true or can you have any car you want?

Administrator answers:

Firstly, your friend is way off mark with telling you that – Silly friend.
If you hold a FULL licence there is only 2 things stopping you driving the car you want.
1 – The car itself – you need have access to it or own it
2 – The insurance – Definitely a must, but for the car you want – I dont think any insurer will touch you and if they do, expect to pay more for the insurance than you did for the car.

My advice would be to get a Focus or something similar as you can get sporty looking ones while you build your no-claims up.

Carol asks…

any advice please on insurance for previous convicted drink driver?

I was convicted of Drink Driving back in 2010 my reading was 50mg, i received a 12 month ban & 6points. I haven’t driven since and was now hoping i was able to get insured i have had a few quotes but the insurance so far is more than the car is worth over 2000pounds..I understand i am being punished for breaking the law but was wondering if there are any fair insurance companies towards previous convicted drivers any advice much appreciated.

Administrator answers:

All insurers will penalise you.

The basic principle of insurance is to work out how likely someone is to have an accident and charge a premium that will reflect the level of risk.

There must be loads of drivers out there who constantly break the law, but because they’ve never been caught, and they’ve been lucky enough not to have an accident, their insurance records will show that they have a good driving history, so their premiums will be low despite them being bad drivers. However, you have been convicted, so your insurance record will say to the insurer that you are prepared to take risks and break laws, and because of the serious nature of the offence, you are prepared to take serious risks which could potentially lead to an accident. You may have decided never to drink again, and may be a safe driver, but the insurer doesn’t know that as they don’t know you personally, so the only way you can prove it to them is to drive safely for a few years and don’t have any accidents or convictions, then eventually, your premium will come down.

Donald asks…

Are seatbelts necessary for driving around town?

I just found out my husband doesn’t wear his seatbelt when he’s driving on the city streets- just on the interstate. Naturally, I am upset to find this out and am trying to convince him that it is necessary. I said, “What if you get hit by a speeding car at an intersection.” He believes that a seatbelt doesn’t help with a side impact- only with a head on collision. I asked- what if the car rolls? He believes that a car will not roll if it is hit from the side. First, I would like to know if he is wrong about the side impact-no rolling-no seatbelt needed theory. Next, I would like some advice on how to knock some sense into him! Links to legit sites will be greatly appreciated.


Administrator answers:

During a car accident safest place is right in the seat. If your car is hit from the side (but little bit to the front or back) you car can spin out easily. It is always safest to be seatbelted. Bouncing around inside the car is surest way to get killed in minor accident.

Your husband is think just about getting hit by the door. That is just one of the many way your car can get hit.

A friend of mine used to make a big deal when I demand she wear her seatbelt as my passenger. Soon after she got her license she was in an accident that should have been minor. But she was all busted up anyway. She never said if she wore her seat belt, but afterwards she always did.

I once saw a jeep turned over (local street) from turning too fast. The passenger was laying on the side walk moaning but they couldn’t move him. The paramedic said the jeep barely flipped but the driver was really f-ed up.
Like life insurance, you don’t just wear seat belt for yourself, you do it for your loved ones.

Linda asks…

How to fight a speeding ticket in NH done by aircraft?

Yesterday, about noon, on a busy section of I95 north I was pulled over for speeding. When the office pulled me over I was surprised as I wasn’t even traveling in the pass lane, cars were passing me. He said I was clocked at 87 which would be nearly impossible, I was traveling with traffic. I am 60 years old, never had a speeding ticket, may have accelerated to a speed of 75 over the short course of the road, but never near 87mph! When I questioned the officer, he said he was just doing what the guy above told him to. How accurate would this information be, how do they know it was my car? I never saw an airplane. How do I fight this and do I need a lawyer? Is it worth the fight, would I have my insurance raise in cost where I have never had any motor vehicle tickets? Would a letter from my passenger help in court?

Administrator answers:

Not to sound cocky but this is one of my previous best answers on this subject, most of the info will apply to your situation. This isn’t legal advice.

This is a fairly common traffic enforcement tactic and it’s not too hard to beat in court. This is provided you haven’t done a few things. If you admitted to the officer that who issued the citation that you committed the violation the you have just testified against yourself and there is really no need to continue. A lot of people do this thinking that they may be get a break. Instead they just do the officers work for him. If the officer who wrote you the ticket actually clocked or paced you then you may have a problem. Otherwise you stand a great chance of getting this dismissed on the basis of hearsay evidence and/or reasonable doubt that your vehicle was the one seen.
In this scenario an officer in the air, or on the bridge or whatever, witnesses the violation and radios a description and or tag number to ground units ahead who actually stop the car and issues the citation. Most people think there is no way out of it.
That’s not true as the scenario does have its weaknesses and you should know what they are. You have the right to confront your accuser and this is the officer that actually witnessed the violation , not the officer who issued the citation. If one of the two, especially the officer who witnessed the violation doesn’t show then the state will have no witnesses against you. If the issuing officer wants to testify none of the information provided by the witnessing officer should be allowed because it’s hearsay evidence.(You’ll have to point this out). If you fight this in court don’t call any officers, it’s the duty of the state to provide your accuser.
How did the officer id you? Did he read the tag number or did he just radio the description of the target vehicle as “a white four door, 80 in the number two lane”. Not reading the tag number in pretty standard during aerial and LIDAR operations where clocking officers can be up to several thousand feet from the clocked vehicles. Even on the ground LIDAR is good in excess of 1000 ft. This long range can be used to your advantage. I imagine your tag number was not known to the officers until you were pulled over. This means that unless the first officer never took his eyes off of the target vehicle until it was pulled over there is reasonable doubt that you were the vehicle clocked.
You’ll need to know how heavy the traffic was that day and how many similar colored cars like yours are on the road. Also what was the time interval from when the officer saw the violation and the time you were pulled over, you may have just gotten on the road, or changed drivers in the interim, been passed by a dozen cars that match the same general description as yours etc.
I doubt that this is the case but some departments have been known to pull over motorists and tell them they were clocked on radar doing some ridiculous speed a few miles back and the officer was going to issue them a ticket. The motorist would admit their speed and were then issued a ticket based on their confession. The problem was that town didn’t own a radar and there was no second officer they were just randomly stopping cars. Just food for thought. There may not have been another officer. .
Another thing to consider is that operations like this are big money makers. Since most people just pay up and move on they may be likely to dismiss your ticket to keep from stopping up the money machine.

Good luck, hope this helps and remember, you work hard for your money, make them work hard for it too.

David asks…

will the car insurance pay for my car to be fixed?

i was rear ended. its the other persons fault.
the kid that hit me was driving their parents car. the parents had insurance on the car but the kid wasnt listed as a driver. just the mom and dad were.

i was told since the car is insured then the insurace will pay for it no matter who was driving. is this true?

Administrator answers:

Who exactly told you that, and do they have a license to give insurance coverage advice in your state?

The old “insurance follows the car not the driver” has some built in exceptions to it – one of them, is household members. If the kid wasn’t listed, or specifically excluded, OR, if the policy is written on a form where ONLY listed drivers are covered, then their insurance isn’t going to pay for your damages.

No one here could know, as we don’t have the specifics of the policy. BUT. Don’t BET on the other insurance paying, unless the ADJUSTER for that insurance company told you they would.

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