Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About New Driver Car Insurance Cost

April 18, 2013

Joseph asks…

Can you have be under two car insurance companies at once?

My dad is considering in buying another car(ideally for me to use) but to avoid the high cost, he wants to be listed as primary driver to both. It seems that usually when youre under one company, I will most likely be forced to be primary on one of the vehicles. So would it be possible to be under two different car insurance companies so that my dad can be primary for both or would this be considered a type of fraud or something illegal?

Administrator answers:

Sure, then when you have an accident and the insurance company finds out there’s another vehicle in the household they’ll void the policy for misrepresentation and then you and your father can be financially responsible for everyone’s damages and/or injuries. Do you really think you guys are the first to think of this scheme up or the first to be caught?

Maria asks…

Does anyone know how much this car insurance will cost?

My car cost me £795, it’s a Nissan Micra Vibe 2001 edition with manual transmission and no added stuff. I’m a new driver and don’t know how much insurance is likely to cost. I don’t have any kids and still live at home. I don’t plan to be doing large journeys often or commuting frequently. So can anybody give me a generic quote for a first time driver? Thanks.

Administrator answers:

Well after a hole week of looking for insurance for a mate I would caution you to do lots of looking at different web sites and compare what you get for the money you put out.

Example your car was bought for £795 insurance will take that down to about £500 .
Then you will have an excess to pay if you do crash normally £250 before they pay anything out to you .
Then you will have to probably have to pay extra for breakdown cover because of the age of the car.
You may get free window replacement but have extra to pay for a run around car if yours is getting fixed.
You won’t have any no claims discount so that will put the premium up a good bit also.
Best advice get put on you parents policy for a couple of years as a named driver they will have a decent amount of no claims discount so that will get you insured and motoring with out breaking the bank then in a couple of year once you have a few hundred miles under you belt the insurance will be cheaper.

Nancy asks…

will my car insurance go up if i buy a new car?

i am currently driving a used 99 honda civic. suppose if i buy an all new 2012 toyota camry. Will my car insurance go up? i am currently 18, and my car insurance cost me 800usd for 6 month. and should college students like me buy an all new car?

Administrator answers:

Your new car is worth a huge amount more than your old one. The insurer therefore carries a much larger financial risk in the event of a claim, so that has to be reflected in the premium you’ll get charged. On an old car like yours most people will only have basic insurance to cover Third Party damages, fire and theft. On a new car it’s foolish to have anything other than fully comprehensive cover which covers the cost of damage to your own vehicle; if you financed the purchase then the lien holder will insist that you have such cover. Fully Comprehensive cover costs a lot more than basic cover.

As to whether you should own a new car, that’s entirely your decision, but as a relatively new driver you are far more likely to have minor collisions and far less likely to be able to afford to keep up with the maintenance schedule needed to maintain the car warranty. Students also get charged a higher premium than average. Personally, I would stick to driving an older model.

In summary: yes, it will go up.

Lisa asks…

does have a cpc reduce car insurance costs?

I have just recently obtained my pcv license and also gotten my cpc (certificate of professional competence). will having either or both of these reduce my car insurance premiums?

thanks.

Administrator answers:

No.
If anything it’ll increase it, professional drivers statistically have more claims than everyone else.

Charles asks…

How to choose my first car?

Hi, I recently got my driver‘s license, and, being involved in many school activities such as ASB, sports, and clubs, I’d like to get my own car to drive myself to and from school. I hate asking my parents to drive me because my dad’s out working most of the time and my mom is sick and gets random headaches (so, when I might need a ride, I can’t ask because she has a headache).

My parents have agreed to buy me a car, and although my dad said he’d look for one on his own, I’m starting to become interested in what kind of car to buy.

I’m looking into cheap, used cars (hopefully $5,000 at most). What I want to know is how I should go about choosing a car. While looks are somewhat important, I’m more concerned with safety, mileage, insurance, and maintenance.

1. How do I check if a certain car (model/brand) is safe? Is there a website to type in the car model and get a rating? If not, is there any website that can help me see how safe a certain car is?
2. How do I know if a car has good mileage? What is “good”? 25 mpg? 30?
3. I know that as a teen, I’m more prone to getting into accidents, so insurance rates are going to be high for me. I also know that buying a used car will lower my insurance cost. Is there any way to cut down the insurance prices? I don’t want my parents to pay so much.
4. How do I know if a car is in good condition? Are there certain things I should look at?

Sorry for the bombardment of questions. I feel like I really need a car (maybe not NEED need…it’s a mix of need and want :) , but I’m confused on how I should go about choosing one. I’m looking into a plain Honda (Accord or Civic) or Toyota (Camry). Nothing fancy.

Any other tips/advice would also be greatly appreciated. Thanks in advance for any help! :)
Oh, I forgot to mention – I’m looking into cars on Craigslist, if that makes a difference.

Also, this is kind of off tangent, but do you know of any jobs that would hire a 16 year old? I’m looking into a summer job to help pay for gas…My siblings said they’d pay for something (insurance, gas, etc) but they don’t, so I want to help my parents out a bit somehow. Thanks :)

Administrator answers:

When looking at getting your first car, especially used, it’s always good to have a mechanic as a friend. Bring them along and have them check out the car first and get the “go ahead.”

1. How do I check if a certain car (model/brand) is safe? Is there a website to type in the car model and get a rating? If not, is there any website that can help me see how safe a certain car is?

Kelly Blue Book and Youtube has helped me a lot when I bought my first car.

2. How do I know if a car has good mileage? What is “good”? 25 mpg? 30?

The cars that you listed, Honda/Toyota have a good track record of having good fuel economy. Anything in the high teens city and mid to high 20′s hwy is good. My old 2004 Toyota Camry had a 20 city/29 hwy fuel economy, which is good.

3. I know that as a teen, I’m more prone to getting into accidents, so insurance rates are going to be high for me. I also know that buying a used car will lower my insurance cost. Is there any way to cut down the insurance prices? I don’t want my parents to pay so much.

You won’t be prone to getting into accident unless you do something stupid in your car or just bad luck. Which judging by your question, you don’t seem stupid and you want to help out your family as much as you can.

When it comes to insurance the minimal is getting liability. It is the cheapest coverage and the minimal but it will cover the other person’s car, IF you are involved in an accident, but not yours. Getting full coverage would be nice, but if you are worried about the price of insurance, make sure your parents get quotes from multiple insurance companies. It all comes down to coverage.

4. How do I know if a car is in good condition? Are there certain things I should look at?

Like I said above if you know any mechanics or your parents do, have them come along and inspect the car.

Also, this is kind of off tangent, but do you know of any jobs that would hire a 16 year old? I’m looking into a summer job to help pay for gas.

I don’t know if there is an age limit on delivering pizza, but I was 17 when I delivered pizza for a small pizza place near my home. It helped me with my sense of direction and it was a pretty good gig for a teenager. I got paid $5.00 an hour and had a $1.50 delivery charge along with tips. Took care of my gas and made a few bucks to go out with friends. Your car will smell horrible, but it’s an experience nonetheless.

Like I said, don’t know if there is an age limit because I got the job through a friend, but it doesn’t hurt to try.

Hope this helps out a bit and good luck!

Susan asks…

What is the basic kind of insurance required by California Law?

What kind of insurance covers something like another driver hitting your car door, and then driving off before you could get their license plate #
what is comprehensive , and what is collision, ?

Administrator answers:

If someone hits your car such as a hit and run unfortunately the only option that you have is turn a claim in on your insurance.

In order to file a claim your vehicle must have “Collision Coverage”. Your company under your “Collision Coverage” will pay the repair cost minus your deductible, not to exceed the actual value of your vehicle.

Below are the definitions of comp and collision:

Comprehensive Coverage – If your insured vehicle is damaged due to an event other than a collision, Comprehensive coverage will pay for the damage. This includes damages from fire, theft, windstorm, flood and vandalism. If your vehicle is stolen, Comprehensive covers transportation and loss of use expenses when applicable.

Collision Coverage – When your insured vehicle overturns or collides with another object, Collision coverage pays for the damage to your vehicle. Collision coverage also may extend to a non-owned vehicle or one rented for personal use that is in your custody or that you are operating. Certain exclusions may apply. Refer to your policy.

For additional information on auto insurance there is a lot of great free resources at http://www.InsuranceEasy.org

Lizzie asks…

My unlicensed friend borrowed my car in a parking lot and got in an accident?

I live in NJ, license level is 17 and my friend 14 borrowed my car with my premission in a parking lot and hit a car. He got a load of tickets including leaving the scene of an accident, driving unlicesnsed and others.. I on the otherhand recieved a summons in court to appear for letting an unlicensed driver operate my car. I had insurance as well as my license but still recieved this. I was wondering what the penalty for this is such as fee, loss of license etc..
I live in NJ, license level is 17 and my friend 14 borrowed my car with my premission in a parking lot and hit a car. He got a load of tickets including leaving the scene of an accident, driving unlicesnsed and others.. I on the otherhand recieved a summons in court to appear for letting an unlicensed driver operate my car. I had insurance as well as my license but still recieved this. I was wondering what the penalty for this is such as fee, loss of license etc.. My question is not about insurance, they will cover it (friend’s dad is insurance company owner..), but rather what the penalty is for this with the law as asked above, and/or are points involved.

Administrator answers:

The citation you received is a serious offense, and can carry the same penalty as driving without a license. Since insurance companies only insure licensed drivers, the cost of any damage will most likely come out of your pocket, and the insurance company will drop you.

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