Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About New Driver Car Insurance Advice

May 3, 2013

George asks…

Any bike riders from the South Florida area?

I live in South Florida and next month I’ll be buying a Kawasaki Ninja 250r. A lot of my co-worker’s at work are persuading me to invest in a car, and I’ve heard stories about tragic deaths, even about defensive drivers.

I always wanted a bike, and I don’t want to opt out because of a couple of stories. I’ll be a beginner ride and will be using the bike to commute to work, school, and other things. Any tips and/or advice?

Administrator answers:

Molitor has provide you with a link to the Motorcycle Safety Foundation beginning rider course. I endorse the course. You are taught the right way to ride and the tools to use once you start riding on the street.
I agree the 250R is a good machine for a beginner, but the issue I have is your intended use. The 250R is a small sport bike. As such, sport bikes are basically a one purpose machine. That being road racing. No protection from the elements, no room for gear, and not comfortable for two up riding. I’m all for commuting and traveling on a motorcycle. Just don’t believe sport bikes are the best way for commuting and traveling. Dual sports are a good alternative. Readily available hard and soft bags, hard trunks, tank bags, easy to ride, easy to maintain, and cheap on insurance. Another choice would be the DL-650 V-Strom with ABS brakes by Suzuki. Used bikes are readily available and the engine is about bullet proof. Better upright seating and handlebar position, windshield, and hard bags and trunk. If you buy the V-Strom, buffeting can be a problem. Installing a set of Madstad brackets and different mirrors (a big source of rider buffeting of all things) will improve your comfort.
Take the Beginner’s course which will help with your motorcycle license endorsement and reduce insurance premiums. And ride DEFENSIVELY!!! Can’t emphasize this enough. To other motorists you don’t exist and are invisible, until the moment of impact. That is the moment you always work to avoid.
All the best.

Linda asks…

What do I do after filing a car accident claim?

I recently just got into a car accident. The other driver made an illegal right turn on a straight lane when I was on the lane next to her. My lane goes straight and turn but I’m waiting for the light to turn green so I can go to the gas station (station is next to the light of the intersection). Anyways long story short what happens after I file a claim? Do I wait to find the result who is at fault and will I be notified? Also, I have no police report, but can I still go get one? When do I take my car for a repair? Do I need to have it repaired being that my car is paid off? Any advice will be much appreciated being that this is my very first accident dnd I’ve never gone through such procedures.

Administrator answers:

I use to be a claims adjuster and what you will need to do now is wait. Your insurance company will assign an agent to your case. What the agent is paid to do is find out if for some reason they can exclude the accident and whose fault it was. She will also be very concerned about any injuries. Her job is to follow the law but limit damage and financial responsiblity if possible to the insurance company.

If you have full coverage insurance it won’t matter whose fault it is your damages will be covered. If you only had liability your damages will NOT be covered UNLESS the other person is at fault and their insurance will cover it.

Insurance companies now have started going against the other parties insurance when they pay a claim. To recover. But you shouldn’t concern yourself with this. This will take place once your claim is paid and closed.

Witness – I noticed you stated that you did not have a police report. People are tricky. Watch out to make sure the other driver doesn’t find a “witness” (whom he will probably know and ask them to fake like they were there) and go behind your back and file a police report. Some of them are crooked like that and will do that. Witnesses that are related or acquainted with the driver can give a statement but it is pretty much inadmissable in court. The courts will say they are partial.

So just wait. All you can do now.

William asks…

How do I tell my parents about my boyfriend?

Ok i’m in 7th grade and i have a boyfriend and of course I want to tell my parents but my dad is REALLY over protective and scary. I want to tell them and be open but i’m scared. What should I do?

Administrator answers:

Hi Alyssa,

First off, it’s good that you want to be open with your parents and tell them about the fact that you have a BF. Well done!

So, exactly how do you tell your parents that you have a BF? Well, that really depends on your definition of BF. If having a BF in the 7th grade simply means eating lunch and a few hugs at school (no making out), then your Dad might not mind too much. However, if having a BF means that you expect to do one-on-one dating and have some intimate kissing… forget it. It’ll never happen with an over-protective Dad. Sorry!

How old should a young lady be to start dating? Well, 16 or 17 is typically a good age to start seriously dating and kissing… in my humble opinion.

Is your Dad over-protective of you? Most likely, especially since you use the term “scary”. However, have you looked at some of the questions in this category detailing what other girls on this board are doing at your age? They’re unsupervised, and acting like sl*ts, having sex, and putting themselves at risk for all sorts of problems. Lots of girls out there could use a good Dad like yours to protect them.

Your Dad is not an idiot. He just wants to protect you and keep an eye on you for as long as possible.

Going on a date without your parent’s knowledge (or sneaking out) will destroy their trust in you when they find out, so don’t go that route. Perhaps you could ask your Mom to drive you, your crush, and a few friends to the Mall for an afternoon… That’s probably as close to a date that you’ll get.

Therefore, you’ll probably need to wait a few years to actually start dating. How do you convince your parents to let you start dating… say, when you’re 16? By consistently acting mature in your statements, deeds, and actions. By demonstrating on a daily basis that you can be trusted.

Regarding parental restrictions,… When you were 5, would your parents have allowed you to play in the street unsupervised just because you wanted to? No? Gee, why not?

It’s up to both of your parents to decide the dating issue as long as you’re under 18. It doesn’t matter what you, your friends, or anyone else thinks. Your parents are 100% responsible for taking care of you, feeding you, housing you, protecting you, and they pay all of the bills. They get to decide all of the rules… Including when you can date.

Period. Case closed.

When you are 18, then you will be a legal adult. If you don’t like your parent’s rules, then you can get a job, move out, and pay all of the bills yourself (schooling, rent, taxes, food, clothing, car + repairs + gasoline + insurance, health & dental insurance, utilities, phone, cable, movies, music, shampoo, make-up…).

But since you are focused on dating issues right now, let’s discuss those issues… Plus a few more.

Alyssa, it’s certainly OK for you to ask questions about why things need to be a certain way. Your question about dating is completely healthy and normal, and so is your desire to have a BF.

However, consider this: Do you think that kids at age 11 should be allowed to drive a car on the public roads with the rest of the adults? Just because they claim to be mature and want to drive? No, me either. Driving a car is very dangerous, and it requires responsibility and good judgment. The DMV gets to decide how old a person must be to get a driver’s license.

Just like driving a car, dating is also an adult activity. It requires responsibility and good judgment. So, your parents get to decide when you can start dating. Sorry!

On a quiet evening, start talking to your Mom or Dad. They should be reasonably able to discuss boys and dating if you don’t start off by arguing or making demands.

Since you wanted some advice, here are some examples of both good and bad methods of communicating with your parents…

“Hey… Bee, Cee, and Dee are already dating and kissing. I wanna date too!!”
“I’m mature enough to date!!!”
“Stop treating me like a baby!!!”
Then stamp your feet, storm off to your room, slam the door, and pout for several hours.

“Dad, can you tell me about how you and Mom first met? What did you do on your first date?”
“Maybe it’s good that I’m not dating yet. Dee was in tears last week about her BF… he’s acting like a creep. Mom, how can I spot a creep?”
“At what age were you allowed to date, Mom?”
“My plan is to save myself for marriage, and the other girls laughed at me. But won’t saving myself for marriage be a good way to weed out the jerks and losers, Mom?”
“A senior girl said I won’t be able to keep a guy interested without sex. I don’t believe her, because no decent guys will date her… only creeps ask her out. I only wanna date decent guys, Dad.”
“Hey Mom… when do you think I can go on my first date? You can meet whoever the guy is before we go out.”
Listen to your parent’s input. Don’t respond immediately to their comments… sit there for a few seconds and then say “Wow, that’s good… thanks!”

You probably want your parents to evaluate your request and look at it from your point of view, correct? That’s reasonable.

So, how about if you take a serious look at the situation from their point of view? That should help you get a few bonus points for maturity, and they’re more likely to negotiate if they see that you have a clear understanding of their concerns.

Your parents know that there are some guys out there (the smooth players) who will tell a nice girl that he loves her, just to see how far she will let him go with her body. Guys out there who are ready and willing to use you and your body for their own selfish pleasure… And then leave… Breaking your heart in the process, and possibly leaving you pregnant… Or with an STD (a nasty disease in your private parts). Your parents want to make sure that you are old enough and mature enough when dating to recognize these losers, and say “No”.

Your parents also know that you could meet a nice guy and you both really do think that you love each other, and after a few weeks or months you both might be tempted to take off your clothes together… And perhaps have sex. That would be a good way to mess up both of your young lives. Your parents want to make sure that you are old enough to resist this type of temptation… And the temptation can be very strong.

Your parents know that having sex when you are not married is simply wrong. They know that having sex too early will make you feel sad, cheap, and make it less special.

Take a quick look at a random selection of the questions from girls in this category… A significant number of problems here directly involve premarital sex… Coupled with immaturity, foolish expectations, and invalid assumptions.

Your parents realize that unless a young girl and her Romeo already know each other pretty well, the typical proclamations of “commitment” made in the darkness when a they are first alone together are generally worthless. Will you be wary of those proclamations? Commitments need to last more than one evening and be proclaimed publicly, in front of family and friends… Not in the darkness right after their first kiss (although any proclamation made by a player is automatically invalid regardless of where or when it is made).

Your parents want you to date nice guys who will treat you with dignity and respect while you are having innocent fun together during your youth. Honorable guys who would not ask you to do anything inappropriate.

Long term, your parents want you to find a special guy who will be honorable and be very good to you as you grow into a decent young woman. A guy who will be proud to take you home to meet his parents and his family. A guy who earned the respect of your parents and family. A guy who will ask for your hand in marriage. A guy who is honorable and is willing to stand together with you in a wedding ceremony before both of your families in church.

Alyssa, you don’t want a guy who is not honorable and just wants your body… For a while… And then he would be gone. That is much more likely to happen if a girl starts dating too early.

And, you do not need to rush things. Enjoy your youth. Don’t worry if your friends are all “hooking up”… You don’t need to do any of that nonsense. Your friends have probably already experienced severe heartache and shed bucketloads of tears… problems that you have avoided thus far.

It also would be advisable for you to read the Bible (start in the New Testament… At the Gospel of Matthew).

Your parents know that you will be really happy when you are older, and you look back over your life… Happy that you made the right decisions about these issues when you were young… Because you were mature enough to make the right decisions.

That’s pretty much the big picture that your parents are probably looking at here, Alyssa. Can you see the dating issue a little bit from your parent’s perspective now?

If so, go and give both of your parents a big hug. Thank them for caring enough about you to set limits.

Take care and God bless,
- Charlie

P.S. – Dr. Laura on the radio detailed a very simple instruction manual consisting of four words that will greatly increase the chances of finding and keeping a good BF/husband:

“Choose wisely… treat kindly”.

Both items are necessary for a happy and healthy relationship:
1. Choosing a nice decent guy is great, but if you treat him like crap… sooner or later, he’ll leave you.
2. It won’t matter how nicely you treat a creep… he’ll always be a creep.


Charles asks…

My husband and I are thinking about moving to Arizona, Phoenix or Mesa, any advice?

Right now my husband and I live in a very small town in Kentucky. We want to make the move to Phoenix or Mesa, Arizona. What we need is some advice on jobs, apartments, cost of living, and the school Mesa Community College, if anyone attends. We want to get out of this small town and go somewhere that is warmer in the winter and I don’t care about heat in the summer. We need a change and think Arizona would be perfect, but we have to iron out details before we can go. Does anyone have any advice?

Administrator answers:

I’m from back east and I’ve lived here for a year. Let me break it down for you.

* Fantastic weather (from about mid-October through early May)
* Dry air. You don’t have to worry about mold, mildew, or car rust. Best of all, there are virtually no mosquitoes = )
* Gorgeous sunsets, beautiful desert landscape and fauna
* Affordable housing/property costs
* Modern infrastructure and a good freeway system. For a city of its size, Phoenix’s traffic is really not too bad

* The summer heat
* Low wages
* HIGH utility bills, especially in the summer when you’ll have your A/C running 24/7
* Very little cultural diversity (Mexicans and Native Americans, that’s about as diverse as it gets in Phoenix)
* Horrible, rude drivers (AZ is #1 nationwide in hit-and-run accidents, which proves it’s not just my imagination)
* Rampant panhandling and solicitation
* Too many chain restaurants and a lack of ethnic food (except Mexican)
* Too many meth-heads
* Too much white trash
* Too much skin cancer
* Downtown Phoenix is purely a business district with very little in the way of nightlife or entertainment (other than the sports arenas)
* CRIME. A huge problem here. Arizona is #1 nationwide in identity theft and #4 in car theft (trailing only CA, TX and FL)
* Illegal immigration – another huge problem here
* Phoenix’s public schools are putrid; AZ’s public education system is ranked #49 nationwide
* High rates for car registration and insurance
* The people – overall I’m just not finding the folks in Phoenix to be very intelligent, sophisticated, cultured or mannered (just an opinion)

I’m not out to trash Phoenix, I just want you to have all the facts. And as you might guess, I’ve made the decision to move out.

Paul asks…

How much would car insurance be for me?

17 year old female with a 2000 Ford F250 in zip code 89503 with a 4.0 GPA. I know I can’t get an exact quote on here, but an estimate maybe? A general range? Thanks x

Administrator answers:

First off, ask a parent or guardian who they have insurance coverage with. Because you can get under their policy much cheaper as a minor student than having your own personal insurance. And then you just pay your portion to said parent or guardian.

Secondly, if you are not getting on someone else’s policy you’ll need to be the one that calls carriers meaning State Farm, Progressive, Geico, etc to run quotes. No one on yahoo answers can give you a quote because not only do you require a license for your state to run quotes but they also have to run the quote based on your city, state and zip. Also the fact that you are 17 years of age means you are a much higher risk because you are technically still rated as a “new driver”

The fact you took drivers education will help a lot.

When I was your age, in 1997, I had a 1984 Volkswagen and I still paid for Collision and Comprehensive coverage which was kind of dumb because I paid close to $300-350 a month in Auto insurance. My car wasn’t worth paying for collision comprehensive coverage.

Do yourself a favor and do what I did. Run quotes with all the carriers you can. Depending on the age of the car you do purchase, you may want to consider a Liability only policy (meaning you only carry coverage to protect yourself from any physical damage or bodily harm you cause to others property and injuries). If you want to have collision and comprehensive coverage to protect your car from damages occurring then you will pay more. The older the car you have, the cheaper to insure it usually.

If you don’t understand the coverages you have, don’t be a dummy and NOT research it before you buy it. Ask a LOT of questions when speaking with your agent/broker. Also, DO NOT just get the bare minimum requirements because that could be scary if you cause severe damage to someone or something. I do work for an insurance company and I work the claims portion so I see the repercussions of people who are not adequately insured.

I am merely a source of advice from one girl to another. And I am not legally allowed to tell you what you should do.

Betty asks…

Does full coverage insurance cover you & the car or just yourself or the car only?

My girlfriend lets me use her car sometimes. She was just curious about how her insurance covers in case I’m in her car driving and there is an accident. I told her that I believe her car is covered but not me. Her Camaro is paid for so it’s not on a loan or anything. Any solid advice would be great! Thanks!

Administrator answers:

Cars are insured, not drivers, so if you drive her insured car and have a valid drivers license and permission, you should be covered. Liability cover others property. Collision and comprehensive covers your vehicle, Medical payments (PIP) covers you and your passengers medical expenses “Full coverage” can mean comprehensive, collision and liability but can also include other coverages. It does not mean the same in all cases.

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