Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About New Driver Car Insurance Rates

April 27, 2013

Linda asks…

What happens to my premium if I allow my college student to take the car to school?

There are 3 drivers on the policy, 2 adults and one college age student. We own 2 cars, so right now the student is not considered a primary driver. Would letting the student take the car automatically make them the primary driver on the second car? The college is 180 miles away.

Administrator answers:

Sorry to be the bearer of bad news, but if you let the college student take the car with him/her to college you would have to make him/her the primary driver of the vehicle, and yes, your insurance rates will go up.

Helen asks…

How much would my mom and dad’s car insurance go up if I got my license?

Because there not even gonna let me take the test until I find a job,because there insurance will go up. But by how much. I thought it was cheaper if you were a girl, got good grades and went through drivers ed?

Administrator answers:

Since you are going to be a new driver their insurance rates will go up by more then half they pay now to 200 percent. Your inexperience is a contributing factor in why the rates go up and young drivers are more likely to be in a accident. Good grades and drivers ed can get you discounts but not much probably 10 or 15 percent.

Charles asks…

Will my parents insurance go up if I received a speeding ticket and I am not on their insurance?

I’m 17 and I recently got pulled over by a Louisiana State Trooper for going 84mph in a 60mph speed zone. I was driving my mother’s car and she is insured with State Farm but I am not on the policy. I know I can plea guilty and take a class to get it off of my record but I hope it doesn’t affect their car insurance rates……

Administrator answers:

No it won’t. The ding is on you. Your own insurance policy is linked to your drivers license.

Steven asks…

Can i be insured as a secondary driver if 3 cars are insured?

I’m 17 year old and im going to be getting my g2 in February. My parents have told me that they refuse to pay for my insurance if i need to be insured as a primary driver but they will pay if i can be insured as a secondary. Now is it possible for me to be insured as a secondary driver if they’re are 3 people in a household with their drivers licences and 3 cars that need to be insured or does everyone have to be insured as primary drivers?

Administrator answers:

In the USA:
I think what you mean is listing you as the primary driver of a car or of any number ofm cars. If you are the primary driver, then you must tell the insurance company that you are. Yes, you can be secondary on any number of vehicles in the household………BUT….. You need to be asking your insurance company this question. They are the ones who make the rules, they are the ones who have all of the (correct) answers.

Never LIE to an insurance company….!

Household insurance:
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.

Lisa asks…

If I get into an accident with someone else’s car, will it come up on my insurance record?

I was hit by someone who ran a red light while driving a friend’s car. Luckily, both my friend and the at-fault driver have insurance so the claim was handled quickly between their two insurers. My question is, will this accident show up on my driving record? So far it has not affected my current insurance coverage (I did not have to report it to my own company), but I’m wondering if it will it affect my insurance rates from other companies?

Administrator answers:

An accident, is an accident, and yes as the driver it shows up on your record, but it shows up as a not at fault accident, which is exactly what you tell anyone that asks , for the next three years.

Thomas asks…

Two part survey, is Big Brother good for us on the road?

Q1.) Should all civilian vehicles be governed to 100 mph? This could save fuel and lives, as well as reduce insurance rates.
Q2.) We have the technology, should GPS type satellites be used to automatically send out tickets to people who break speed limits, park illegally or commit other traffic violations? This would free up police for more serious duties, and also save lives and conserve fuel.

Administrator answers:

Q1 no. It affects too small a fraction of the population. Normal people don’t drive 100mph. The few that do, don’t drive 100mph that often. Anyway, 99 is just as reckless as 120 on an urban freeway.

On wide open rural freeways full of nuthin’ but trucks, like Reno-Omaha, or Phoenix-San Antonio… Everyone drives 75-80, but NOBODY drives much faster. (honest. Drive em yourself and see.) So again a 100mph governor wouldn’t make any difference there either.

Of course, in Germany, 100mph is fine.

Q2 That essentially amounts to “prior restraint”, but then so does implied consent for a breathalyzer test. I think it would be outlandish to do this for lawful citizens, though I could imagine repeat offenders being allowed to install this system as a deal to get their license back early. In which case it would not be helpful for it to “ding” them for 5-10 over the limit, as you often must drive that fast to stay safely with the flow of traffic. (which is why governors below 75 mph are a bad idea!)

As for parking illegally, you don’t need GPS. Just detector loops in the pavement of the parking spot (or bus zone) alerting a metermaid that a car is parked illegally, and go ticket it :)

One thing… If tickets were so frequently given, then penalties would have to be MUCH less severe — otherwise most people would lose their license in the first day :) One of the problems with robot camera red-light runner enforcement is the burden of proof for this serious, points charge. Must match photo of driver to his DMV license, and if it isn’t clear or don’t recognize him, they get off. Well what if it were a trivial wrist slap like a parking ticket, but you got it everytime you ran a red light? What if it was on the owner (like parking tickets) so “I wasn’t driving” isn’t a defense? That might work.

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