Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About New Driver Car Insurance Rates

February 19, 2013

Lizzie asks…

Is transferring car insurance within the family possible?

I don’t have car insurance, my parents have car insurance and i want to know if i can be covered the same way like my parents if my mom can transfer her car insurance to me.

Administrator answers:

We can’t answer the question as asked. Insurance follows the car, not the driver, so if the car is insured, its driver is. The car would be rated for you as the principal driver.

William asks…

Why is an insurance company asking me for information about me or to provide a declaration page?

I got into a minor accident about a month ago in my grandfathers car. I reported it to his insurance company and all. A month later he gets a letter from his insurance company asking to provide information about me or for me to provide them with a declaration page. My question is what kind of information are they looking to obtain from me? I do not own a car or under any car insurance in order to provide my own declaration page.
On the letter it just says “Provide information on my name”
Then they ask if he has his own policy to provide his declaration page.

Administrator answers:

They’re looking for proof that you are insured on another policy. Otherwise, they’re going to deny the claim, because grandfather didn’t list you as a driver on his car, and didn’t pay the high teen driver rate.

It happens ALL THE TIME, that kids try to get “free insurance” by driving a car owned by a relative who is not a household member. That’s a form of fraud. It’s usually discovered when the accident happens.

If mom or dad listed you and are paying for you on their policy as a driver, submit that declarations. Otherwise, prepare to pay for this accident out of pocket – and grandpa’s going to have to add you to his policy, and pay both the extra premium for you, AND the surcharge for this accident.

Susan asks…

What a good car insurance for a teenager?

Okay I’m 16, almost 17, I’m in drivers ed, I have my own truck. I live in Vermont, I get average grades in school, what is a good car insurance, that also has sorta low rates (I make around $500 a month)

Administrator answers:

Get one that’s cheap

Ruth asks…

How does a pizza delivery business work?

How much are the employed paid?
How do you coordinate deliveries?
How is gas paid and car insurance paid?
How do you trust employees not to steel pizza’s and/or vehicle?
How to figure out deliverable distances?

As many details as possible please. I live in Oregon.

Administrator answers:

Employees are usually paid close to minimum wage or whatever your area’s economy supports. The drivers also get tips. The employees use their own vehicles and are either paid a “per mile” rate or “per delivery” rate. They pay the gas and insurance on their vehicle. As far as deliverable distance, you want to keep the area small enough that the drivers can do round trips pretty quickly. Maybe up to a 10 minute circle around the store. To coordinate deliveries, you take each one as soon as it comes out of the oven! Next driver in takes the next order out. If you have groups of pizzas that are going the same direction and are out of the oven several minutes apart you can double them up.

Ken asks…

Women drivers to pay more on car insurance?

Women could face considerable hikes in their car insurance premiums after the European Court of Justice ruled that insurance companies must stop charging different rates for men and women despite the fact female drivers are statistically less likely to be involved in an accident.

What do you think about the verdict? Personally i agree. I don’t think insurers should be able to discriminate against anyone because of things they have no control over like gender, race, religion etc.

Administrator answers:

Yes car and life insurance rates for men will be lower while those for women will go up.
Similarly, pensions for men will go a bit down while those for women will stay the same.

Of course it’s a fair ruling.

Individual driving history should be the only parameter on the car insurance rate, there’s absolutely no reason why a young driver would not be more responsible then an older driver, if he chooses.

—————————
EDIT:
@Valentine, then you are, as you often say, by definition not a feminist, not for equality.

Blacks are statistically worse drivers here in Germany, should they pay more. This is not a joke, my wife is in the insurance industry(Allianz) and they collect these data, yet Allianz never thought of introducing higher rates for black men and women, nor should they, but by your your ignorant opinion they should; Valentine I never expected you to be a racist, does that come along with being a vegan.

John asks…

Will my car insurance rates go up after my first fender bender?

I’m sixteen years old and i got into my first fender bender. I was at fault, but the officer at the scene said that the damage was minor and would probably be less than 400 dollars. However, I was just wondering if my parent’s insurance rate would go up ( I’m under their name) and whether or not it would just be easier to pay out of pocket. And if it did go up, how much do you think ( i live in Tennessee )

Administrator answers:

Most companies don’t care about the dollar amount of the accident. Because you are a young, high risk driver, your parents insurance will go up somewhere in the ballpark of 33% for the next 3 years. You will be better off paying for it out of pocket.
BTW: if you got a ticket for the accident, it will show up on your MVR record. When the insurance company re-runs your record (usually when the policy renews) they will see the accident and charge you extra even if you didn’t use them to pay.

The good news is it sounds like no one was injured.

George asks…

What are the monthly insurance rates for a 2007 GT Eclipse and 2007 GT Tiburon?

I am trying to compare which would be a better/more affordable car to have. I am 19. I know age has alot to do with it, so even if you are older just tell me your payments plz, and if you can estimate how much it would be for me, that would be great. Thanks.

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!

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