Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About Cheap Student Car Insurance Companies

May 15, 2012

Donna asks…

What companies do three or six months car insurance?

I am looking to re-insure my car but due to being at university, i only wish to insure it for 3 to 6 months. Does anyone know of a reasonably cheap company which does this considering I am a student!

Administrator answers:

Not many companies do 3 month insurance policies anymore, but alot of them do 6 month policies, it’s not at all uncommon. Progressive is a very competitive rate company right now, as well as Mendota, State Auto, and Ohio Casualty. I personally would recommend staying away from the heavily TV advertised companies, i.e. Geico, Safe Auto etc. As they tend to have horrible customer service, and claims once you are a customer.

Michael asks…

What insurance company should I choose for my car?

I just got dropped from state farm because of high risk and I’m looking for something affordable for a college student/ musician. I have to get full coverage as well. What is a cheap company I can go with that’s not going to screw me over or anything?

Administrator answers:

Personally, I use Geico. I have had no issues with them in the past and my rates are cheap for full coverage. If you were or parents are/were military you might want to look into USAA. They offer great rates, but you would have to have been military or be eligible for benefits to receive insurance through them. Hope this helps!

Susan asks…

What is the cheaptest car insurance company in Maryland.?

I am living in college park md, i am a college student who recently got my driver license, which car insurance company is the cheapest in Maryland.

Administrator answers:

If someone could tell you the cheapest insurance in MD, then no one would buy insurance from any other company, but only from that company, and the others would go out of business.

Each company competes with others to get as many people to buy their insurance. In some years if they lose a lot of “good” customers, might “loosen” up the requirements or drop rates.

Insurance rates are based where you live, your driving history, accidents, tickets etc.

Call an agent and they can tell you which company will be the cheapest for YOU.

Good luck

Thomas asks…

What would be the CHEAPEST car insurance company for a….?

19 year old girl who has had her permit for 6 months, and her license for 2 months. She is a full time college student with a part time job. The car would be worth less than 3,000 and would be parked in a gated apartment complex. She has had no accidents or trouble with the law. Best answer gets 10 points, thank you.
I forgot to mention, she lives in California.

Administrator answers:

The cheapest company for one person may be the most expensive for another person. There is only one way you can ever find a premium cost. You must shop and get quotes.

Mary asks…

Cheap way to start driving at 19? Need a car soon!!?

Hi Everyone,

I am a 19 year old nursing student and I passed my test in December 2006 along with my PassPlus and I am now looking in to getting my first car!

However the cost has scared me a bit and I need a car for my course and placements. I have been looking at the Fiat Seicento which is a 899cc engine and apparently a group 1 car but the insurance is still expensive!

Does anybody have some suggestions on a different car to purchase or insurance companies, Endsleigh and Zurich have given me the cheapest so far.

Thank you everyone!

Ben E :-)
cand55, how i can get in touch lol when you dont accept im or emails?

Does anybody else know anymore Group 1 Cars?

Administrator answers:

Your best bet would probably be a shagged out Mini classic, which you can also get an insurance discount on by joining the owner’s club (and they may be old, but there’s still shedloads of parts available for them + can be pretty cool once done up).


Ken asks…

What would be a good insurance for a 19 year old new driver?

Ok so heres the deal, Im 19 and looking to get a car for school. I go to school in upstate ny and wanna move off campus so i need one for transportation. What would be a good insurance company to go to for cheap insurance for student drivers? Im going to buy a used car off of craigslist, my mom doesnt drive and theres no option for going on a family members insurance. Im doing this all on my own, getting a car, paying insurance and all. Im looking on getting a 2001-04 mitsubishi eclipse or lancer just for an idea. But i dont wanna be stuck paying like 400 bucks insurance at geico or like statefarm, student driver discount my ass. Suggestions would be helpful, not a rant about how i have to think about insurance and gas and maintenence im well aware of all that, i wouldnt be getting a car if that. Thanks.

Administrator answers:

This is just about the worst possible place to ask this question. About the best you can hope for here is a wild guess. You would be just as well off picking a random number out of a hat.

For one thing, there are too many variables involved for someone to even give a ballpark figure. Things like your age, gender, location, driving record, vehicle getting insured, local minimum requirements, coverage desired, deductibles, etc.

Get up and walk away from the computer.

Walk over to the telephone.

Near the telephone, most people keep a large book

Many times this book will have colored pages, usually yellow

Open the book to the colored pages section and look for the heading Insurance

Here you will find the telephone numbers to people in your area who actually sell insurance. Imagine that.

Pick up the telephone and dial one of these numbers.

A friendly person will answer. This person will be either an insurance agent or a person that works for them. Ask this person your question. This person may ask you a few questions to get some added details. Have the VIN number of the vehicle getting covered by this policy handy if possible.

In no time, you will have a quote on the price. HINT: A quote will be far more accurate than any wild guess that you might get here.

Write down some of the details on a piece of paper. Phone number, name of the person you spoke with, price, deductibles, coverage,etc.

Next, repeat the process using one of the other telephone numbers you found in the telephone book in the colored pages section under the heading insurance.

After you have spoken to at least a few insurance agents, you can start to compare prices, coverage, and deductibles. Then pick the insurance agent that has the best deal for you, call them back, and then strike a deal.

One last piece of advice. You are far better off going through a local insurance agent where you know them and they know you. Let’s say a few months after you get your insurance you get broadsided by an uninsured motorist. Who would you rather be working with? A local person that you know and knows you. Or hear “Press 1 for English”, pause “Your call is important to us. Please wait for the next available agent…” a very very long wait, then finally get someone from a far away call center that barely speaks English. Sometimes the cheapest insurance is not the best insurance. Think about it for a bit before you make your final decision.

Powered by Yahoo! Answers

Related posts:

  1. Your Questions About Cheap Student Car Insurance Uk
  2. Your Questions About Cheap Student Car Insurance
  3. Your Questions About Cheap Student Car Insurance Ontario
  4. Your Questions About Cheap Student Car Insurance Deals
  5. Your Questions About Cheap Student Car Insurance New Driver