Best Car Insurance For Young Drivers

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Your Questions About What Cars Have Cheap Insurance For New Drivers

August 9, 2012

Mary asks…

PLEASE HELP THIS IS URGENT! dmv suspension because my agent cancelled the old insurance too soon?

PLEASE READ EVERYTHING BEFORE ASSUMING THAT I VIOLATED THE LAW BECAUSE I DID NOT.

Hi, my dad wanted a cheaper insurance for our cars so he bought a new one. He asked our agent to cancel the old insurance on the day that the Co tract ends which is on the 6/9. The afent ended up canceling on the 3rd instead of 6th. That means that there are a gap of 6 days before the contract ended which means that we need to pay a fine.

As soon as we got the fine from the DMV stating that we are fined 250 dollars per car, we have 3bcars, that’s 750 dollars we owe all of a sudden and it was not even our fault and then all of a sudden there is this huge fine we have to take care of.

So when we told our agent about this!, he said that he would call the old insurance to ask them to move the date up. The old insurance wanted nothing to do with us anymore so our agent contacted the new insurance to ask them for help.

Icalled my agent everyday to make sure that he implies the fact that the new insurance needs to take care of this as.soon as possible. This went on for 2 and a half weeks of me calling my agent andhim telling me to call again the next day for an update for the information.

The fine is due in two days and the other insurance has not started yet, but I heard them say that they will make it aurgent matter and gets to get it done tomorrow.

Ijust need help on knowing what to do noe to avoid that fine that was not even my fault in the first place.
T
Please help me, I can’t afford to pay the fines but Ialso can’t afford to get my drivers plate suspended if I don’t pay. I have to work or else I lose my job.

Administrator answers:

If you drove the car without any ins. Then you DID violate the law. That is the reason the DMV sent you the fine.
I would document everything & talk to the DMV. If no luck then get a lawyer as the agent screwed up.

John asks…

can i take legal action to this casino for their mess up?

a few nights ago me and a friend went to a local casino and were carded…the next night we were not carded…and last night he went to the casino with other friends and i stayed home…well, he handed them his drivers license and the guy questioned him a little…held it up to him and asked his birth date…my friend told him his truthful birth date which was not the birth date on the drivers license because he had MY DRIVERS LICENSE by mistake which i’ll get to in just a moment… but even though he was carded and had the wrong drivers license and said the wrong birth date he was allowed into the casino…as he went in he decided to sign up for a players card and after playing a few different slots he was inserting the card and noticed that it had my name on it instead of his and called me thinking i was playing a prank on him or something, but i quickly realized that due to the fact i hadn’t even seen him outside of the casino in a week, the only explanation is that the casino had handed us the wrong drivers license the last time we were carded when we went together….,this was about 3am and i needed my drivers license by 6 when i would be leaving town for the week and asked him if he could bring it to me and he said he didnt drive and they had just gotten there so doubt the guys he was with would leave, forcing me to get out of bed at 3am and drive 45 minutes one way to the casino to retrieve my drivers license…..when he first said it all i was worried about was a simple exchange of drivers license…but as im driving for 45 minutes at 330am tired as can be knowing i have a 3 hour drive ahead of me in 3 hours, im getting kind of ticked off especially since gas isnt exactly cheap these days and sleep is so wonderful at 3am…..so when i get in the casino i ask to talk to the manager and tell him of the problem and instead of apologizing to me he called me a liar insisting that there is no way one of his staff memebers could possibly have done it because their rules only allow them to handle one ID at a time…i told him to check the cameras and he asked of times and since im human i couldnt remember the exact time and date considering i dont go every night and the last time we werent carded…so he watched 3 hours of tape and said he never even seen us and then walked away….okay…so…no harm done right…luckily it was a friend that got my id…BUT!!!!!! what if it had been someone that lives hundreds of miles away considering this is a new big attraction casino with a a hotel and people do come from hundreds of miles away…i couldnt just drive 45minutes at 3am and retrieve it…say it wasnt my friend who i trust and it was someone who was jumping at the opportunity to steal my identity, i means its not like criminals dont go to the casino, and its easy enough to steal your identity with nothing, give them your drivers license, and its over!!!! okay…say i get pulled over(which i’m 26 and have never been pulled over so im not worried about it…but what if) and i have the wrong drivers license….i just got a warning ticket last month because my insurance company put the wrong year of car on my insurance, i said you’re really gonna pentalize me for something i didnt do, and he said i should of checked it(ok so thats a little true, but u trust its a simple task)…ok but back to the casino incidednt….i just feel i was treated very unfairly, also, 2 non manager workers came over and got in my face as well and hinted that i was just trying to get a few bucks from the casino because i had lost all my money, so i pulled out about $900 cash i had for my trip the next day and threw it in his face and said, you think i want to be here at 3 am dealing with your mess up, and he just continued to say that there is no way the casino did it….so then they asked what the guy looked like and i described him and they said it didnt ring a bell yet my friend described him the same way…and…there is NO WAY we traded drivers license on our own…i do not smoke, i don’t buy alcohol, i dont go out…the only ONLY time i take my drviers license out is at the casino….yet i somehow got someone elses…and also…they said its MY FAULT for not checking!!! ive been there about 100 times in the past few months and never had this problem before so why would i assume it this time…..okay…well….if you read this….i’m just wondering if i have a legal case against them…i’m not trying to get a million dollars from them…and like i said originally it wasnt a big deal, but once they disrespected me i feel like i at least need to burden them a little like they did me making me drive an hour and a half and then stay down there for about 2 hours i was actually late for my trip, because he asked me to wait while they checked the camersas and that took about an hour and when he claims they didnt see me he gave up because he said it wasnt worth his time…

Administrator answers:

Sorry, but as soon as your friend realized he had your driver’s license, he should have called you and made arrangements for you to get your license back.

In fact, this whole incident would have never happened had you checked to make sure you had your own license to begin with.

You have no basis for any legal lawsuit. You’d lose anyway and have to pay attorney fees and court costs. Do you really want to risk that?

Nancy asks…

Help with car insurance!?

I’m 16 from bradford, I’m wanting to get saving now for when I’m 17.
I’m really wanting a Volkswagen Golf 2005 1.4l.I prefer that model rather than the new one. I’m wondering what insurance will be like on it, the car itself has been valued at £2000, and is selling second hand on AutoTrader for £4000.
People say ‘oh you won’t get insured at 17, no chance.’ , but I have a friends, one has had a Volkswagen Golf and a Vauxhall Astra and now the new Ford Fiesta Titanium, and he is still ONLY 17. The other friend has a 2011 Volkswagen Scirocco.
Also everytime I try to get a quote, I put my age as a year older so it says I’m 17, and then I fill in all the correct details, and it doesn’t give me a single quote ‘due to the drivers age’.
How am I supposed to do this? And when I get to age 17, what would be the cheapest way to get insured on the VW Golf?

Thank you, all help is appreciated. :)

Administrator answers:

Why don’t you ask those friends of yours how they managed to get insured? Probably on their Parents insurance, which is a bit dodgy, to say the least.

David asks…

PLEASE HELP THIS IS URGENT! dmv suspension because my agent cancelled the old insurance too soon?

Hi, my dad wanted a cheaper insurance for our cars so he bought a new one. He asked our agent to cancel the old insurance on the day that the Co tract ends which is on the 6/9. The afent ended up canceling on the 3rd instead of 6th.
That means that there are a gap of 6 days before the contract ended which means that we need to pay a fine.

As soon as we got the fine from the DMV stating that we are fined 250 dollars per car, we have 3bcars, that’s 750 dollars we owe all of a sudden and it was not even our fault and then all of a sudden there is this huge fine we have to take care of.

So when we told our agent about this!, he said that he would call the old insurance to ask them to move the date up. The old insurance wanted nothing to do with us anymore so our agent contacted the new insurance to ask them for help.

I called my agent everyday to make sure that he implies the fact that the new insurance needs to take care of this as.soon as possible. This went on for 2 and a half weeks of me calling my agent and him telling me to call again the next day for an update for the information.

The fine is due in two days and the other insurance has not started yet, but I heard them say that they will make it a urgent matter and gets to get it done tomorrow.

I just need help on knowing what to do noe to avoid that fine that was not even my fault in the first place.

Please help me, I can’t afford to pay the fines but I also can’t afford to get my drivers plate suspended if I don’t pay. I have to work or else I lose my job.
PLEASE READ EVERYTHING BEFORE ASSUMING THAT I VIOLATED THE LAW BECAUSE I DID NOT. DON’T JUST READ THE FIRST PARAGRAPH AND ASSUME THINGS

Administrator answers:

Your agent cannot cancel your policy without something in writing from you, specifying the date of cancellation. Then, they turn that to the insurance company to cancel.

If, however, you do not pay the bill in a timely manner, the INSURANCE company can cancel you. They send notice of that cancellation, to the policyholder – sounds like that’s dad.

If dad signed a paper cancelling insurance on the 6th, and had paid enough money to cover the costs through the 6th, the insurance agent can fix this quite easily.

If dad knew the policy was up for cancellation on the 3rd, and tried to pull a fast one to get free coverage for three days, it didn’t work.

Since you’re not the policyholder, you have to take dad’s word for what, exactly, transpired.

The only reason the old company wouldn’t want to rewrite you, is if you stiffed them for money.

I have no idea what you mean by “making sure the agent implies the fact of new insurance”. That sentence makes no sense. I think you don’t understand what “imply”means.

Again. If the car is in your name, you need to buy a policy. You can do this online, right now, at Progressive.com, if you really want to. That’s not going to get you out of the fine, though, and in most states, a lapse in coverage more than three days, will get your tags suspended.

I think you’re also not understanding about how you “violated a law”. Unless you live in NH, which does not require auto insurance, letting the insurance lapse for five minutes, violates the law.

What boggles my mind, is that today is the 26th. You PLANNED On cancelling the coverage on the 6th. And today, 20 days later, you still have no insurance coverage, and you want to blame it on some agent, when ALL YOU HAVE TO DO, is go buy yourself a flipping policy!! You could walk into any agent’s office and walk out 30 minutes later, with coverage. You can do it online with a handful of companies, in about 20 minutes.

The only one keeping you from being insured, is you.

So, your story just doesn’t add up.

James asks…

insurance wont pay for damages?

i was involved in an accident this week.
it was the other drivers fault.
her insurance company(geico) wont pay for my damages, instead they proposed that they want to pay me my car value
i have an old car. a 1993 Subaru. if they pay me the value of my car (about $800-1100) it wont do me any good. its not enough to pay for the damaged caused by their client, nor is it enough to but a new car.

what are my options? are they not supposed to pay for the damages? basically they are taking the cheapest way out.

does the law say anything about this? are there anyways to have them pay for damage instead of car value?
if not…can i pursue legal action?

please help, its must appreciated and thanks in advanc

Administrator answers:

They do not owe you more than the car is worth.

By law, a car is a total loss when the cost to repair the car equals or exceeds 75% of the car’s value.

Once the car is deemed a total loss, the insurance company will pay the Actual Cash Value (fair market value) of the car.

The law does not require they pay you more than your car is worth. So even if you file a lawsuit and go to court….the most you get is the fair market value of the damaged car. The reason being: they only owe to put you back in the same position you were in before the loss. At the time of the loss, you owned a 1993 Subaru worth 800. Had you sold that car, you would only get 800 for it.

So, take the 800 and go purchase yourself another old car. Then you will end up right where you were before the loss.

Linda asks…

Can anyone give me advice on what I should do next?

Yesterday morning, I awoke to find that my 98 grand prix had been hit. The driver obviously fled, and I only had liability insurance on the vehicle. The insurance company will not cover the car due to the fact that we don’t know who hit it. I am furious, concerned an worried. I am 19 years old and have had to work hard for everything that I have. I am in school and just spent 600 dollars to pay for my text books. I feel as though something awful has happened to me, and I have done everything that I can to live the best life possible.

While we are continuing to look into any leads, there aren’t very many. I have one-thousand dollars saved up and the repair for the car will be at the very least 2 grand. When I looked up the bluebook value of the car, it said that in excellent condition, it is only worth a little over 2000. I don’t think that it is worth it to pay for the body work. I have to have a way back and forth to school and work. I was thinking about buying a cheap car (500-1000 dollars) and using it just to get to where I need to go. When I save up a little more money, I am thinking that I could probably sell it back for what I payed (as long as it still runs good) and use it on a newer, nicer car. I’m just really bummed and need a little help. Thanks for your time.

Administrator answers:

Same thing happened to me some years ago. When you say at the very least,do you mean repairing the car yourself? I repaired my car with some friends. Made a couple of trips to a salvage yard and collected the insurance. If you can repair the car yourself, do it. Otherwise, your plan to buy another car is an alternative,but reselling it may be difficult in these tough economic times. I usually park in low traffic areas from now on. For example; away from the front or close to the store. Sometimes I will write down the tags of vehicles parked around me and note the color of the vehicle as well. Cars that have multiple dents and scratches are very suspect of a careless driver! When I return to my vehicle and see damages,I will know which vehicle hit me. Paint will be on my vehicle left from the vehicle that hit me. You could take a pic of the vehicles with your cell phone as well. Contact the police immediately after you discover the damage to your vehicle. Provide the recorded info to them so they can ID the offender. Do not wait too long,because the offender can hide the damage quickly sometimes. Some parking lots have security cams. I drive a semi,and parking lot accidents occur frequently in truck stops. I hate it for you!! I was truly bummed when it happened to me!

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