Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About New Driver Car Insurance Quotes

March 30, 2013

Robert asks…

How much is car Insurance in Ireland for me?

I want to buy a 1.6 1998 civic type-r (€11000), but am worried it will cost too much to insure. I can get insured on it as a named driver if needs be, but would prefer my own policy. I’m 22 with a full licence for 2 years and have 5 years named driver experience with nothing on my record. Where’s the best place to get a quote? And if I do how much do you think it will be? (ballpark)

Administrator answers:

Your best bet is to call different auto insurance carriers and get a quote from them. They’re the best answer for how much it will cost you, and they can tell you what parts of hte policy hou must have, and which parts you can skimp on due to how much you are able to pay. You could go online, but it’s harder to figure out what you must have vs. What you don’t.

Thomas asks…

Why is car insurance more than the value of the car?

I want to buy a car for £1275 and the insurance is about £8000 why is the insurance for the car so much higher than the actual value of the car?

Administrator answers:

Even though the insurance cost more than the value of the car, when you buy car insurance, you are buying insurance to protect you if you are ever sued.

If in an accident and if you are found at fault, then you would owe for the damages of the other car or multiple cars and ALL injuries to any driver and passengers in that car/s. If someone sues you, then your insurance company will hire a lawyer for free to defend you.

The rate they are charging is based on your age, experience, tickets and any prior accidents you may have had.

Have you called other companies to see if you can find lower quotes? For that high of a quote, my guess is that you are a new driver, a teenager, and/or have tickets and prior accidents.

Good luck

Joseph asks…

Possible new car owner with questions about insurance prices?

I’m looking into buying a car. I’m just now about to get my driver‘s license and I am a twenty year old college student. I need a car to get to work next year, but I need to know if I’ll be able to afford one with insurance as well.

I live in Georgia, and I just want bare minimum coverage. I’ll upgrade if I get a job when I graduate, but until then, I just need something to get me by, you know?

How do I go about getting cost estimates? Any time I try to get a quote, I need to already have the car information, but I can’t buy a car without knowing how much it’s going to cost me…
I’m looking into getting a 4 door sedan, preferably made after 2005.

Administrator answers:

Since you are just getting your license your rates will be a bit higher than normal. If you are getting good grades you may be able to get a good student discount. First you should decide on a few cars that you want and call a dealership to find out what their VIN numbers are. Having these will give you more accurate rate quotes since the quote won”t be for just that model but that exact car with its own accessories and features. I would contact an honorable agent with a reputable company who will be willing to answer all your questions and won’t pressure you into anything. If they can’t help you get the coverage you need they will let you know. Try 21st Century or you can call my agent, Courtney at Farmers. She is pretty cool about answering questions. Her number is 678 644 4069.

Donald asks…

How much will car insurance be in NY for a 22 year old male driver?

I have been licensed since I was 18 and have NO accidents or moving violations!

How much will insurance be for 2001 Maxima?

Administrator answers:

That depends on where you live in NY. If this is the first time your getting a car, it will be expensive. I would say, for a 2001 Nissan Maxima- around $2800 per year for brooklyn. Queens and Long island will be slightly cheaper. Try to call GEICO and get a quote. They are the best in NY.

Michael asks…

What is the best /cheapest way to purchase insurance for a teenagers?

Do I insure the vehicle in my name only and not list my 17 year old as the primary driver? Will this affect his future insurance prices? Any help would be appreciated. Thanks.

Administrator answers:

In car insurance, the word “teenager” and “cheap” are impossible. The best thing to do is get your teenager a car that is paid for and insure it liability only. That way the premium will be at least half what it would be on a vehicle with comp and coll insurance. The biggest mistake most parents make is they allow their 16 yr old to get a brand new car not knowing beforehand how much the insurance will be until after they already bought it! GET QUOTES FIRST! If they are good students most companies offer a good student discount. Also some companies IE Farmers offer an additional discount if the teenager watches a driving safety video and answers some questions. Teach your new driver how to be responsible and in a few years the rate will be less due to experience.

Donna asks…

How much insurance should I have on my car?

1999 Toyota Camry, 90K miles, excellent driving record, car is paid for. How much insurance should I have on it now?

Administrator answers:

There is no ONE insurance company that is right for everyone – everyone is rated individually – and all companies have different “likes and dis-likes”, different credit tiers, different business models, and many other factors that can vary your rate – and a QUOTE is ONLY a quote until the policy is issued.

Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.

The best thing to do is call a LOCAL independent agent or broker. Don’t go across town, or to some other city – look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.

An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.

In my agency, we have companies that do NOT run a credit score and welcome drivers with “less than perfect” driving records and specialize in youthful operators!

Most of the replies on this site say “go to this on-line carrier or that on-line carrier or that 1-800 number” but I’m sure that when you do, you will find some impersonal computer user with a script to work from and you won’t be able to talk with the same person every time you have a problem!

Good luck, drive RESPONSIBLY and I hope this helps!

John asks…

Is it illegal to buy insurance out of state?

Is there any affordable way to get insurance, i am a first time driver, no collisions 17 years old btw on my dads user name, what is the most affordable way i can get insurance. All the quotes i have gotten so far have been 1300 for 6 months or more. I will drive a family car.

Administrator answers:

You can buy insurance from anybody you choose, provided the company is licenced to market insurance in your state, and your broker has a licence to do business in your state.
Most brokers do not have licencing in more than one state, however, a great many companies do. Buying insurance from a company who has an office in another state doesn’t give you a cheaper price, however, as your rates always have a component based on your location.

I have to add, if you are driving a family car, not your own vehicle, you need to be added to the existing policy. You don’t want to try to put your own policy on a vehicle your dad already has insured.

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