Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About New Driver Car Insurance Advice

June 25, 2013

Donald asks…

whats the best insurance company for a young driver?

just passed my driving test and was wondering what the cheapest insurance company for young drivers is?

Administrator answers:

There is no one magic insurer that will be best for everyone in your circumstances and in fact what is the cheapest today could be the most expensive tomorrow. Car insurance works like that.
THE FOLLOWING IS FACT, NOT SPAM OR ADVERTISING

.
This OFTEN GETS THUMBS DOWNS THOUGH NO IDEA WHY AS ITS THE ABSOLUTE TRUTH.
There is only one way of finding the best deal and it is a tried and tested method from a well known TV and radio guest who has an independent money saving expert website. The site sells nothing just gives advice -
Get quotes from at least 4 different comparison sites – none deal with all of the possible 200 ish insurers so do this to cover them
Get quotes from Aviva and Direct Line as they are on none of the comparison sites
Do not believe what they say when they reckon the best deals are on the net – its just wrong.
Now use the best 2 or 3 quotes to get on the phone and haggle. SEE THE LINK BELOW FOR LOADS MORE DETAILS AS THAT IS THE BASICS

http://www.moneysavingexpert.com/insurance/car-insurance-young-drivers

Mark asks…

A friend was hit by a car when running into the road after a frisby, who is at fault?

The 16 year old driver was probably speeding or texting and not paying attention but she went into the road chasing a frisby and the police are saying it’s her fault for going into the road. The driver might not have insurance either. Is there any possible way for her to sue the driveror his parents ? She was injured but walked away from the accident. We are concerned because he showed no remorse and there were several children in the area that witnessed the accident and could have been hit themselves. Thank you for any advice.

Administrator answers:

Your friend should not have run into the street without looking both ways first. It’s your friend’s fault.

Anybody can sue anybody for any reason, but in this case it’s unlikely that your friend will win the case. Most likely the judge would dismiss the case for being a silly waste of everybody’s time.

Sandra asks…

where can I get free legal advice about small claims auto insurance SR22 coverage?

My auto insurance company didn’t inform me I didn’t have a valid drivers license (I didn’t know either) and sold me a policy. I got pulled over and lost my car because I was not informed. I want to sue the insurance company for selling me a policy they couldn’t live up to because unlicensed drivers cannot be insured.

Administrator answers:

You can get plenty of free legal advice right here on Yahoo! Answers, but remember…

Free Legal Advice is worth exactly what you paid for it.

George asks…

i have been a banned driver and have 3 points on my license?

i am only 19 and have the above on my license i am looking for cheap car insurance for convicted drivers do u have any advice or websites i can try ?

Administrator answers:

Try www.confused.com. If you get cover drive like an angel for 5 years!

Susan asks…

I have a question for traffic lawyers about a minor traffic accident and what could happen in court?

I got into a small accident the other day, I rear-ended somebody but it was just like a tap and there was no dent or scratch on her car.
I was behind her at a red light where you’re allowed to do right on red. She like edged forward like she was gonna go but then stopped and I had starting moving too and did not stop in time. I felt the bump, but like I said, there was no damage at all to her car, or mine.
But she called the cops anyway.
So anyway there is a a court date in about a month. If the lady doesn’t show then I get my license back and that’s that.
But I’m worried that she will show and make up some lie about how there is damage to her car.

So anyway my question is what exactly can she do to me? Like sue me or just make my insurance go up?
If she claims that I damaged her car would the judge just make my insurance pay, or do they actually check it out to make sure that she’s telling the truth?
….And if she doesn’t show at court will my insurance still go up?
Oh I have a licence. The cop just takes your license when you get a ticket. And you use your ticket as your license untill you the actuall license back.
No the cop said there is always a court date if there is an accident reported to the cops. And the defendent has to go. But the women doesn’t. I’m just afraid she might lie and say there was damage cuz she seemed really pissed off.
on my ticket is says “following too closely”

But I think he just gave me the ticket cuz he had to. He told me not worry about anything.

Administrator answers:

–Additional Information added a 1:00 PM
I wouldn’t worry too much about the court date. Assuming you are in the USA, you will probably just enter a plea and determine if you want a trial or not. I can’t imagine that there is much of a defense for rear-ending someone, but you could consult an attorney.

I’m sure that the woman you hit was pretty upset at the scene. Getting hit probably gave her an adrenaline rush and made her overreact. However, you should get in touch with your insurance company to see if she filed a claim. She may want to get some money from your insurance. The important thing is to let your insurance handle everything. If she tries to call you and get you to give her money or anything else, DO NOT DO IT. Don’t even discuss the case with her. Simply refer her to your insurance company. Only talk with your insurance company (or your attorney) about the accident. It’s probably nothing to worry about, but just be careful of anyone trying to discuss the case with you.

–Original Response

First, I am not an attorney, so I am not presuming to give legal advice, just my opinion as one driver to another.

I assume that you have auto insurance. You should call your insurance company to discuss this matter. It is in their best interest to provide you with any legal counsel needed and you should not discuss this case with anyone else as they can probably be compelled to testify in court against you.

If the other driver called the police right when the accident happened, then the officer should have recorded or at least witnessed any damage at the scene.

Why did they take you license for a small fender bender? That is highly unusual. I assume that you have a court date because the officer gave you a ticket. What was the ticket for? Probably inattentive driving, following too close or something similar. If it was for driving while intoxicated or anything like that, GET A LAWYER for sure.

If the court date is not because of a ticket, but because the other driver iis suing you, then you should definitely have legal counsel. Call your insurance company and get some advice.

Betty asks…

How can I get my dad to be more open to me dating?

I am 16 years old and I have been “dating” my boyfriend for a little over two months now. I really like him and this is the first serious relationship i have had(because the others would only last about 2 weeks)and i actually want to go out like to the movies or out to eat or even over his house but my dad is trippin balls about it. How can I get him to just accept it and let me do what I want to do???

Administrator answers:

Hi T.e.e.,

OK, how can you convince your Dad to let you do whatever you wanna do???? Good luck with that… it’ll never happen.

When you were 7, would your Dad have allowed you to play on the freeway 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 your friends or anyone on this board 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 (rent, taxes, food, clothing, car & car repairs, car insurance, gasoline, health insurance, dental, utilities, phone, cable, movies, dating, music, shampoo, make-up…).

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

T.e.e., 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 date.

However, consider this: Do you think that kids at age 12 should be allowed to drive a car on the public roads with the rest of the adults? Just because they 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.

On a quiet evening, start talking to your Mom or Dad. They’ll likely be happy to talk to you about boys.

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

Bad:
“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.

Good:
“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!”

So, why is your Dad over-protective?

Probably because 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 or in the heat of passion (although any proclamation made by a player is automatically invalid regardless of where or when it is made).

T.e.e…. Crushes/love/kissing/sex are wonderful intimate expressions that can all be compared to fire.

Both intimacy and fire can be dangerous if used improperly. Your parents are old enough to use fire safely (such as an outdoor BBQ gas grill), and they are also old enough to handle intimacy properly.

Just like you are not allowed to play with fire… You and some Romeo should not be seriously dating or intimately kissing too young… Because that type of intimacy naturally leads to sex.

When used improperly, fire can cause serious damage. Intimacy, when used improperly, can also cause serious damage… Such as heartache, pregnancy, and STD’s.

Your parents don’t want you to get burned, T.e.e..

Always call the Fire Department (your parents) for assistance if a problem with fire (intimacy) develops… No matter how small the problem might appear to be. Small problems can quickly become large problems if they are not handled properly.

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 that you would be pleased to take home to be introduced to 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.

T.e.e., 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 you start dating too early… or sneaking out of your house.

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.

Your parents know that you will be really happy when your 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 the big picture your parents are probably looking at here, T.e.e..

Can you see the dating issue a little bit from your parent’s perspective now? If so, then you’re ready to discuss dating issues with one or both of them in a logical and rational manner… not to get them to let you start dating immediately, but to confirm that you understand their concerns are valid.

If both of your parents genuinely see that you’re mature and have an excellent set of values (they won’t really know what your feelings and values are unless you all have an honest discussion), then they might ease up a bit on the dating restrictions. Simply proclaiming “I’m mature” won’t cut it… your past behavior, attitude, and discussing your values in detail will be what your parents use to judge your maturity.

Now, go and give your Dad a big hug. Thank him for caring enough about you to set limits.

Take care and God bless,
- Charlie

P.S. – If you are looking to have a good High School experience… Including the BF part… Then it would be a good idea for you to join sports teams at school. There will be less free time for you to dwell on BF and dating issues. Plus, you’ll be in good shape, and you’ll look cute in the competitive outfits at the games. Guys are absolutely fascinated by female athletes, and love seeing them in shorts and t-shirts… With minimal make-up… And they won’t care if you are sweaty and your hair is a bit messed up. No kidding. You’ll have more boys looking at you than you ever thought was possible. And your wardrobe costs??? Essentially zero! In addition, your Coach will be around to keep an eye on you and give good advice if you need it.

Finally, you’ll develop more self esteem, confidence, self control, better judgement, and you’ll be much less likely to get into trouble. You’ll be stronger mentally, and any BF relationships that develop will be more stable. Guaranteed 100%.

.

John asks…

How do I help my parents understand about modern highschool dating…?

My parents are considering letting me date – but wont let me have a boyfriend. I am in high school. And much old enough.
What is the difference between these two things in high school….
In high school I find that people don’t date around a lot, and more like somone and then enter a relationship if the feelings are mutual. It is not as serious as an adult relationship. How do I make my parents understand this

Administrator answers:

Hi AT,

First off, it’s good that you want to be open with your parents about dating and getting a BF. Well done!

So, exactly what is your definition of BF? If having a BF 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 have lots of time alone together and do intimate kissing and heavy petting… forget it. It’ll never happen with an over-protective Dad. Sorry!

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

Is your Dad over-protective of you? Most likely, but 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.

Getting a BF without your parent’s knowledge will destroy their trust in you when they find out, so don’t go that route. However, if they will let you date… Just date the one guy. He’ll be your BF. To be honest, I don’t see much of a problem.

How do you convince your parents to let you start dating and get a BF? By consistently acting mature in your statements, deeds, and actions. By demonstrating on a daily basis that you can be trusted. By not saying “everybody’s doing it… Leave me alone.”

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 get a BF.

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.

AT, 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…

Bad:
“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.

Good:
“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.

AT, 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, AT. Can you see the dating & BF 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.

.

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