Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About New Driver Car Insurance Rates

April 14, 2013

George asks…

Does your car insurance go up thousands of dollars when you add your child to your policy?

I want to go under my Mothers insurance so I can drive her car, but shes worried it will go up thousands of dollars, Ive heard it only goes up a couple hundred which isnt bad at all. Does anyone have any information that could help me.
She has commerce car insurance by the way.

Administrator answers:

It certainly can go up by thousands. Where you live, what types of vehicles, which ones you are allowed to drive, whether you are the primary driver on any vehicle, your age, your gender, school grades, whether you have completed a formal driver’s ed course, and your driving record all factor in to the rating process.

Maria asks…

why are radar detectors in car legal?

I was reading one of those car magazines and there were a lot of advertisement for radar detectors. As I see, detectors help to save you from getting a speeding ticket, as well as a fine, plus points on your driver‘s license, and higher car insurance rates.

it is illegal to use only in 2 state and but after all these + sides, isn’t it cheating?

Administrator answers:

That’s an excellent question that I’ve often wondered about.
The obvious use of a radar detector is to essentially give a person the heads up when they are breaking the law. I can think of no other purpose than that.
Bottom line?
If you don’t want a speeding ticket, fine and so fourth – simply don’t speed.

Jenny asks…

Am I being charged too much for insurance?

For my car insurance I am being charged about $260 a month. I have full coverage with a $500 deductible on an 06 Honda S2000, I have no tickets or accidents on my records, and I am a 20 year old male. Also, I live in texas if that makes a difference. It just seems kind of high for insurance coverage. And my company is state farm.

Administrator answers:

State Farm has recently had some rate increases in Texas, so, what MIGHT have started OFF as the best price, might NOT be the best price now.

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!

When do you turn 21? That will make a BIT of a difference in your rates. Married makes them drop a bit more, then the BIGGIE is when you turn 25!

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!

Feel free to email me direct if you want me to run some comparisons for you.

Good luck, drive RESPONSIBLY and I hope this helps!

Lizzie asks…

Can somebody help me with Car Insurance?

Earlier this month I was added onto my Dad’s car insurance policy as a named driver fully comp. Now I need to cancel it (long story) and was wondering, would I have to pay for the following months insurance? Or will I get some money back?

Administrator answers:

When you cancel your insurance, they will pro-rate the coverage to the day that you canceled. If the premium you paid goes beyond that date, then you will receive that back as a refund.

Be sure your new insurance is in place first.

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