Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About New Driver Car Insurance Cost

May 15, 2013

Ruth asks…

Around how much would car insurance cost a year for an 18 year old female to drive ocassionally?

I just want to drive my moms car for a bit until I buy my own!

Administrator answers:

That is a good question. It shows you are taking responsibility for the use of mom’s vehicle.

Insurance is not cut and dried. It might not cost mom a cent. If her vehicle is rated for a longer commute to and from work then it might allow for the occasional use of a female under 25 years-old.

If mom is using her vehicle strictly for pleasure then your being added as a driver may cause a bit of an increase but not as much as if you had your own policy.

Again, insurance is not cut and dried. If mom owns a vehicle and now you are going to be a driver on another vehicle it will be rated for you.

Fortunately females are charged less then males. I know, they complain that this isn’t fair! The statistics do show that young males have bigger accidents with more injuries then young females. Go figure.

Your mom will need to contact your broker or agent to discuss her particular situation. It is her policy and her vehicle so though you might be a potential driver, it is mom who controls this policy and therefore is the one to make any changes.

Keep asking questions. You are soon going to be controlling your own insurance policy. Know your options so you can make good choices.

Good luck!

Mandy asks…

What kind of insurance do I need on a rental car in the Caribbean?

I am traveling to St. Maarten in a week and need to rent a car. I have insurance with a 500 dollar deductable. Would anyone recommend additional rental insurance? What kind of insurance and would this insurance cover everything with no deductible. Basically, I have heard that cars are constantly being broken into there and I don’t want to pay 500 dollars to replace a broken window.

Administrator answers:

Any time you rent a car outside of the US, I always recommend extra insurance. Also some countries require you to purchase insurance. St. Maarten doesn’t require to purchase extra insurance if you have a $500 deductable, but they do have extra fees and taxes.

GEOGRAPHIC RESTRICTIONS-
* CARS ARE NOT ALLOWED OUTSIDE OF COUNTRY.

ADDITIONAL FEES-
TAXES-
TAX IS ADDITIONAL, NOT INCLUDED IN THE RATES AND IS
STATED SEPARATELY ON THE RENTAL AGREEMENT.
8.00 PERCENT TAX.

FEES-
IN ADDITION, THE RENTAL IS SUBJECT TO -
12.00 USD PER RENTAL AIRPORT FEE.

SURCHARGES-
YOUNG DRIVER SURCHARGE
FOR RENTERS AND ADDITIONAL DRIVERS UNDER THE AGE OF 25-
6.00 USD PER DAY PER DRIVER
60.00 USD PER DRIVER MAXIMUM CHARGE

COVERAGES-
INSURANCE-
PUBLIC LIABILITY INSURANCE 50,000 USD IS INCLUDED IN
THE RATES.

PAI-PERSONAL ACCIDENT INSURANCE-
5.00 USD PER DAY

PAI PROVIDES DEATH AND MEDICAL EXPENSE BENEFITS TO THE
RENTER AND ALL PASSENGERS IN THE AVIS CAR.
BENEFIT PROVIDES -
. 16,650 USD IN CASE OF DEATH
. UP TO 16,650 USD IN CASE OF PERMANENT DISABILITY
. 830 USD FOR MEDICAL EXPENSES

WAIVERS-
LDW-LOSS DAMAGE WAIVER-
LOCATIONS MAY NOT OFFER ALL VEHICLE GROUPS LISTED.
VEHICLES LISTED ARE FOR COVERAGE REFERENCE ONLY.
AMOUNT OF DEDUCTIBLE HELD AGAINST CREDIT CARD IS
DEPENDENT UPON ACCEPTANCE OR DENIAL OF OPTIONAL LDW.

. DEDUCTIBLE IF DEDUCTIBLE IF
CAR GROUP LDW COST LDW ACCEPTED LDW NOT ACCEPTED
——— ——– ———— —————-
ECMN ECMR 19.99 500.00 7,000.00
CCAR 19.99 500.00 8,000.00
ICAR 19.99 500.00 9,500.00
CJAR 19.99 500.00 13,000.00
FCAR 19.99 500.00 15,000.00
SJAR FJAR 19.99 1,000.00 21,000.00

* AMOUNTS LISTED ABOVE ARE IN U.S. DOLLARS *

SERVICES OFFERED-
ADDITIONAL SERVICES-
PREFERRED SERVICE-
NOT AVAILABLE AT THIS LOCATION

SPECIAL EQUIPMENT-
CST – CHILD SEAT/TODDLER-
TRAVEL PROFESSIONALS INPUT /SQ-CST
7.00 USD PER DAY
70.00 USD MAXIMUM CHARGE
24 HOUR ADVANCE RESERVATION RECOMMENDED

Jenny asks…

Can I get a Connecticut TLC license plate and work in NYC?

I am a CT resident, but I live in Queens NY. My drivers license is from CT. I know that it costs too much to get a TLC in NYC (insurance costs min.$500 a month). But, my question is this: Can i get a TLC license plate in CT and work in NYC legally? At a car service???? PLEASE, I REALLY NEED YOUR HELP. SOMEONE WHO KNOWS, PLEASE HELP ME! THANK YOU SO MUCH!

Administrator answers:

“I am a CT resident, but I live in Queens NY.”
Your statement is not true and is impossible. If you live in NY, then you are a NY resident. Your drivers license, your title, your plates, your insurance must all be in NY. You cannot get a TLC plate from CT (whatever that is…?) If you do not live in CT Forget everything that has to do with CT. CT is your Old residence. The way you have explained it, Your insurance is probably not vali right now. If you get into an accident, you may find that you are uninsured. You would also be ticketed for improper registration and no (valid) drivers license. You are a huge fine and legal trouble just waiting to happen !

Charles asks…

I was in an accident in MI, and the driver at fault has “no-fault” insurance. What does this mean for me?

I was in a car accident in Michigan. My car insurance is from Ohio as that is where I live. My car is damaged pretty bad and I was taken to the hospital for pains in my leg and neck. Since the driver at fault has Michigan’s “no fault” insurance I didn’t know what this means for my recovery of medical costs, car repair, and lost wages. Thank you for any help you can offer!

Administrator answers:

Well, you don’t indicate, in any way, who is actually AT FAULT for the accident.

First of all, since the accident happened in Michigan, Michigan laws apply. Your policy should automatically give you the minimum coverages required to comply with Michigan laws.

Michigan is a very strong no fault state. Unless you are seriously injured or killed (aches and pains, broken leg, not good enough!) you CANNOT sue the other party for your medical bills. You CAN sue the other party, if they were more than 50% at fault, for UP TO $500 for damage to your car.

Michigan requires that you carry personal injury protection coverage on your policy, though, so as long as your policy meets OHIO laws, you are covered for MICHIGAN’S limits. SO. You will have to file the claim under YOUR POLICY for both your auto damages and your injuries.

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