Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About New Driver Car Insurance Rates

March 25, 2013

William asks…

Car insurance rates in Ontario for new driver?

I plan to import my ’01 Camry from USA to missisuaga. How much shd I expect to pay p.m. in car Insurance rates ? I have 3 yrs clean driving history in USA.Will my driving history in USA help with getting a better rate in canada ? Initially I will have only a US drivers license.Pls help shed light on my doubts ..

Administrator answers:

Goggle for insurance rates

Mandy asks…

Are you required to add additional family members to your car insurance policy?

We have four people in our family and three cars. The cars are my parents’ cars. If you have members (teenagers) in the family who now have their license, is it required to add them to the parents’ policy or will they be covered when given permission by parents to drive their car?

Administrator answers:

Yes, As a matter of fact. During there next policy renewal they will check to see if any other household members has a license. And then you will be forced to add them as a driver. Or exclude them all together. That means say jay is now 16 he got his license the insurance company notified his parents that he has to be added or excluded as a driver. They exclude him to avoid a rate increase. Jay takes moms car and gets into an accident. He wasn’t covered as a driver he isn’t insured. So the insurance company can deny the claim.
EDIT: if “Jay” was in a car and his mother got into an accident his medical treatment would be covered. Just not if he was driving.(if he was excluded)

Lizzie asks…

How can i get insurance for a drivers liscense?

ok so ive tried asking my stepdad numerous occassions about putting me on his insurance policy with progressive but excuses come up everytime and yes i know putting me on there would raise it but how much…its just him and 2 cars on insurance so my mom isnt even on his auto policy as an driver. Btw im 19 & 20th bday is in 2 weeks. ive had a permit for over a year now..my question to other progressive people or anyone is how much would a policy be for a 19 year old if any1 could call around would be nice or tell me way in order to get my liscense with insurance because here n Nc i have to have insurance bfre liscence….pleasee help me hate depending on people fr rides i.e MOTHER thanks

Administrator answers:

Cars are insured, not people or “drivers licenses”. You can’t buy insurance on a car that you do not own or have an “insurable interest” in. Your step dad is in violation by not informing his insurance company that you or anyone else who lives in his household has a drivers license. Because…..By law the insurance company MUST cover anyone in the household who has a drivers license when they drive a “household”: car. Because they must cover, they need to know (they have a right to know) of those drivers so they can charge for their additional risk.

Read below:

Any individual, whether related or not (such as a roommate), who resides in a household, may be required to be listed on an auto insurance policy which covers a household vehicle depending upon the insurer’s underwriting guidelines. In some states, exclusions are available for both family residents and other household members who do not drive the household vehicle and, therefore, do not require coverage. The insurance company has the right to ask about all licensed household members since typically state laws allow the insurance company to gather information that effects any claims that may arise from the actions of any household member. Thus, they want to know about all these people so they can properly assess their risk and calculate the insurance rates based on this (as well as other) rating factors.

Richard asks…

What are the best driver’s ed classes in Canada?

I’m looking for the best quality driver‘s ed classes in Canada – specifically Toronto. One that is not only established but is recognized by the insurance companies and will help me get a good insurance rate. Any suggestions?

Administrator answers:

You can’t go wrong with either Young Drivers of Canada or CAA Driver Training.

They’re among the most expensive but they’re both well established and have excellent reputations.
I went through Young Drivers and I was impressed with both their in-class and in-car instructors. I would personally recommend them.

Maria asks…

How can I compare how different cars will effect my current insurance rates?

I currently have progressive, and they won’t tell you what it will be without calling in the car, its VIN, and all my driver details again. Is there a rating or classification so that I am able to compare used cars to my current cars class? For instance, I want to know how much a 1997 Volvo 850 R may effect my insurance, versus my current 2000 ford escort heap.

Administrator answers:

There’s no rating because all insurers use different methods, but there’s many ways to get quotes online

Sharon asks…

What is a good Car Insurance Company. Im in my early 20s, not the greatest driving record.?

I have had a few speeding tickets, no insurance tickets, ect.

1 accident 6 years ago.

I just need good, cheap, liability insurance for my fiance and I

Administrator answers:

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. 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

Daniel asks…

Is there a scale to measure what you should pay for car insurance?

I know there is alot of Contributing Factors in the acutual cost of insurance. I’m Looking for something that I can kinda determine my actual costs without applying with different companys. Is there some type of chart or information available?

Administrator answers:

No -

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. 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.

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!

Betty asks…

What happens when insurers go to insurance arbitration?

I was involved in an accident where both sides blame the other and both insurances denied the other’s claims.

So they are going to insurance arbitration.

1. What happens there? Is it like a court and the arbitration decides who is at fault?
2. If they find me at fault will my insurance change the accident from “no fault” to “at fault”?
3. If they find the other guy at fault, can I use this verdict to sue him for my damages?
4. Will my insurance rates go up if they find me at fault?

Administrator answers:

I have 5+ years experience as an arbitration panelist so I’ll try to help you out here.

1. Think of arbitration as small claims court for insurance companies. Each company sends in their documentation (driver & witness statements, police reports, damage estimates, photos, copy of any applicable laws etc). Their is no live testimony. The arbitration panel, consisting of 1 or 3 people, (depending on the amount of the claim) will review all the documentation and make a decision about how much each party is at-fault.

2.Yes, unless you have some type of policy that provides “accident forgiveness.”

3. No. If you do not have collision coverage on your car or you were hurt you can not use the arbitration decision as a basis to sue. You will need evidence to take to court.

4. Most likely depending on the amount your company has to pay to the other company. Unless you have some type of policy that provides “accident forgiveness.”

The average length of time to get the decision from the date the case was filed is approximately 70 to 80 days.

Helen asks…

How to cope with higher car insurance rates?

I suppose this is kind of a weird question but I’m a 20 year old male and I feel cheated that I’m paying so much more for car insurance than women my age. I’ve known about this for years (ever since getting my truck a few years back) but as I’m buying a new vehicle I’m shopping around for insurance and these statistics that men pay $15,000 more in a lifetime is ridiculous. That may not sound much over a lifetime but at (example) 40 years, that’s still over $31 more a month, which is a lot. I know I’m only 20 but I still feel I’m a responsible driver, and have never been in an accident nor have I been pulled over. Plus, back when I was in high school, I know all of my female friends would text and drive and so many were in accidents as a result, but never was a male friend in an accident. I can’t really fight this sexism, but what can I do to not feel so bad about this punishment for being a guy?

Administrator answers:

It is not “sexism” It is reality. Rates are set (in part) by underwriters based on claim and loss history. Single males under age 25 have much higher claim (losses) rates than any other class.
Your rates should go down when you marry or pass age 25.

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