Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About New Driver Car Insurance Rates

May 17, 2013

Maria asks…

who has the lowest rate for car insurance? How much do you pay for yours?

my insurance is kicking my ass. work sucks… low pay. But I need my car for work! I need a lower rate! Who are you with and how much do you pay a month?

Administrator answers:

There is no ONE insurance company that is right for everyone – and what I pay for insurance is based on me….and has no bearing on you…..

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!

Jenny asks…

Would I get a better auto insurance rate if I combine my car with my parents current policy?

Only catch is I’m 28 years old going on 29. I wasn’t sure if there were any age restrictions on combining policies with my parents who are senior citizens. I’m simply looking for a better rate becuase my record is terrible. My parents live in my home as well so we share same address. Thank you.
Do I have to put the car in their name if I wish to insure the car under their policy?

Administrator answers:

Overall, between you and your parents….you are much better off keeping the policies separate.

If you try to hide your record by putting the car in your parents name and then you just using the car….that will eventually catch up to you…

Insurers have a very good system of using public, claim and other records to cross check what they call “additional drivers” that are listed to a particular policy. You are already going to run into this because you have the same address.

Once they catch up to you, your record will cause your parent’s rates to go up if you are driving ‘their’ car.

A better route may be to try to get some of the offenses against you expunged. If you haven’t yet plead a pending offense, try to have it reduced to a ‘continuance for dismissal’ which is an agreement that you won’t get any more tickets for one year at which time the orignal ticket is dropped. Once you clear some offenses off your record, your rate will likely go down.

Another option to save $ would be to try to bundle your coverage with your homeowner’s/renter’s insurance. Sometimes a company that wants to keep the bundled coverage will allow a poorer driving record just to keep the business. You might even try to see if they’ll do that for life coverage (like buying a small low cost term policy). A company that you are sending a lot of premium to doesn’t want one ticket to get in the way.

Linda asks…

What is a good first car for teen drivers that has low insurance rates?

I am a male teen so my insurance will be high no matter what I just need something lower….
I go to a pretty up-scale school so I need a pretty cool looking car that only looks expensive!!

Administrator answers:

Id say the best first vehicle for a teen is a Honda Civic.

Daniel asks…

Will my car insurance go up after two not at fault accidents?

In the last year I’ve had two accidents that resulted in my cars being written off as total losses. (In one case the other driver was drunk and speeding, in the other a teenager ran a stop sign.) In neither case was I at fault, and the other driver‘s insurance paid the full claims. I’ve never had any other accidents or tickets in the 10 years I’ve been driving.

How likely is it that Geico will put my rates up when it’s time to renew?

Administrator answers:

Yes, it is likely

Ruth asks…

At what age is someone not considered a young driver anymore?

I’m asking for insurance purposes. How many years of driving experience/having a non-provisional license before one can pay less for car insurance?

Administrator answers:

Ordinarily each year that goes by you pay a little less if you maintain a clean record. There is no cut-off point in most states that automatically makes you pay less. If there is, it would be 21.

Edit: In California there is usually a rate reduction at 25; but other discounts such as a good student discount is also available at any age. Check with your Carrier.

William asks…

Is it legal to be insured on a parent’s car insurance policy if the car is legally theirs?

I will be driving the car for the majority of the time, driving to college every day etc. But one of my friends is insured through Aviva on his car, which is legally in his dad’s name, and so is the policy. I’m wondering because the premium will be approximately half if I use this method.

Administrator answers:

As your parents own the vehicle, they would have to be the policy holder as they have the insurable interest in it. You can ask to be put on their insurance as an additional named driver but the insurer will ask you who is the main user of the vehicle. If you are, and you tell the insurer that you are, then there is no problem as the insurer will rate the premium with you being the main user so you will be paying the correct premium for the risk.

The problems would start if you tell the insurer that you are not the main user when you are. Giving false information to an insurer is fraud. They could void your insurance if they feel that you are fronting. Fronting is common, and insurers have special processes in place to identify it. If caught, you risk being convicted of driving without insurance, having to fight and pay for your own claim without any support from the insurer, being blacklisted on a central anti-fraud database so that neither you, your parents or anyone in your household can get insurance with anyone else, or being charged with obtaining insurance by deception. Your parents could face the same penalties as they would be aiding and abetting you to commit the offence.

Just think of all the time and money you spent passing your driving test. Would you be happy to waste all that because you can no longer drive legally? That’s what happens if you cheat an insurer. No other insurer wants your business, and you suddenly find that you can’t drive legally because you can’t get insured.

David asks…

Where can I get the cheapest car rental rate?

I’m planing a trip and I need to save $ for a 2 week rental on a small car for a job search out west next week. Is it true that if one rents online it’s cheaper than picking it up at the airport?

Administrator answers:

Suggestion. Find the website for your destination airport. They will usually have a page marked ground transportation or similar. Look to see which rental car companies service this airport. Then check their websites and check rates.

No point in finding the rental car company with the cheapest rate only to find that they don’t have any in the area of your destination.

Once you find one, I suggest getting a reservation. You may be better off actually calling the rental car company at your destination. This way you can actually ask some questions before you rent. Like how old must the driver be. The minimum age will vary, but will usually be between 22 to 25 years old. It would really suck to arrive at your destination only to find out you are not old enough to rent their car. You can also find out what payment is accepted. Some don’t take debit cards. All usually require a credit card. This way they can later charge damages or fuel if required.

Another way to save money. Do you have a full coverage policy on your car at home? Many times you can temporarily extend this to a rental car. However, the procedure on this varies widely. Contact your insurance agent before you leave. With my insurance policy, I call my insurance agent to make prior arrangements before I leave giving him an estimated start and end date for this temporary policy. When I actually rent the car I give him a quick call to activate the policy. When I turn the car in I give another quick call to terminate the policy. I decline the policy offered by the rental car company. Doing it this way I get better coverage for a fraction of the money the rental car company charges.

Michael asks…

Why are feminists content with higher car insurance rates for men?

Males pay more than Females on average so if Feminists are about gender equality than why aren’t they taking a stand? Statistically a male brain is better suited to mathematics and spatial reasoning so why cant engineering companies legally seek out more male applicants than female?

Administrator answers:

Believe me you, I am not content with this! The only problem there will be to complain about it, is that they will also raise the rates of the female drivers when they get enough complaining about it. You don’t think they will lower rates to make equal, do you? It’s a scam, is what I think. But, that is how these insurance companies and the law makers work to gouged people, because you have to have it, or it’s illegal. They discriminate against age, by raising the price for teen drivers, but then say they give a discount, or normal rates to senior drivers, same thing, if enough people complain, they will raise the price of senior by saying their age is unsafe. What gives the insurance companies the right to raise the price for a criminal offense and hold against them for high risk, when they pay their dues through the court, and when all is said and done, with the court, the insurance co. Will still consider you a high risk rate for 3 more years, for example, when by rights your case has already been satisfied through the court system, and the probation period. Not only do they hold it against the person that committed the offense, they hold against anyone else that drives another vehicle in the family (for example, a spouse). Once again, another issue with government and business working hand in hand ~vs~ the people.

Donna asks…

How many car deaths are caused by drunk drivers?

Drunk drivers are intentional, this is not an accident .
Compare this to accidental gun deaths.

Not talking about deaths with a gun caused by criminals committing crimes in drug deals or hold ups.

Provide the stats of accidental deaths with guns.

Administrator answers:

As goz111 pointed out
gun deaths or actual murders are very low on the amount of actual deaths
and drunk drivers are slapped on the hand when caught and even when THEY KILL someone, they get a very very low amount of time in prison IF THEY GET PRISON TIME at all

first offense five thousand dollars fine, increased insurance rates, and partial suspension of license to use only for work or an emergency to the hospital ! !period
second offense one year in jail, lose of license for five years, ten thousand dollar fine
third offense five years in jail, lose of license for good and 15 thousand dollar fine
PERIOD
then things WILL CHANGE for the better

good luck
smile

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