Mike Hill : I am back again. I would like to know how long my son can get cheap auto insurance quotes, since he is getting excellent grades. He will soon be 25 years old.

Cheap students auto insurance with good grades discounts.
Response : Mike, I know that when you are sending a student to college requires a good deal of financial planning to make sure the student is able to receive a quality education. One way many parents keep their budget in check while sending a child to college is to take advantage of discounts for car insurance for college students. This would earn them and gives them cheap student auto insurance.

Cheap student auto insurance is usually attainable by making sure to take advantage of all discounts offered and by using an online resource to compare the discounts offered by multiple companies to find the company that provides the best discount car insurance for college students.

College offers an average high school student the chance to start fresh. For students who did not carry the necessary grade point average (GPA) for student car insurance discounts, college offers them a fresh slate to build a great GPA and earn a discount.

College graduate discounts often carry on this discount until age 25, after the student graduates. Many insurance companies will continue to apply the good student discount they earned while in school until they reach an age when their risk level drops.

Mike, here is a tip, you do not have to worry a lot about the good grades discounts , since if you encourage and guide your son and instill good driving habits, than he will definetely get a cheap auto insurance quotes. He will have already built a good driving record of over 8 years since he started driving as a teen. Teen auto insurance are expensive , but now his driving record is the key to cheap auto insurances.

Mike Hill : My son is a college student and we live in Oregon. I would like to know about the latest news for college student auto inusrance and distracted driving.

Response; Mike, the latest news for college student auto insurance distracted driving do not apply only for college student auto insurance but are applicable for all and will go a long way in giving cheap car insurance qutoes for all since the auto accidents will be reduced.

As per the latest news ;” Illinois, Kansas, New Hampshire and Oregon will bring in the new year with new state laws aimed at cracking down on distracted driving, according to the Property Casualty Insurers Association of America (PCI).

Of the four states with stronger laws regarding cell phone use and texting that take effect Jan. 1, 2010, Oregon goes the farthest by banning the use of hand held devices and texting for all drivers. The new law in Oregon also prohibits people under age 18 from using any type of cell phone while driving.

Illinois is placing new restrictions on hand held devices and bans their use in construction and school zones.

Kansas is implementing a ban on all cell phone use and texting for young drivers who have learner’s permits and intermediate licenses.

New Hampshire is banning texting for all drivers.

“These four states are joining a growing number states and localities that are implementing or strengthening restrictions on cell phone use and texting,” said Robert Passmore, senior director of personal lines for PCI. “In 2009, 17 states implemented or strengthened cell phone and texting laws.”

The National Highway Traffic Safety Administration reports that nearly 6,000 people died in 2008 in crashes involving a distracted or inattentive driver, and more than half a million were injured. Research also shows that the worst offenders are the youngest and least experienced drivers: men and women under 20 years of age.

According to the Insurance Institute for Highway Safety, there are statewide bans on driving while talking on a hand-held cell phone in seven states (California, Connecticut, New Jersey, New York, Oregon, Utah, and Washington) and the District of Columbia.

The use of all cell phones by novice drivers is restricted in 21 states and the District of Columbia.

Text messaging is banned for all drivers in 19 states and the District of Columbia. In addition, novice drivers are banned from texting in nine states (Delaware, Indiana, Kansas, Maine, Mississippi, Missouri, Nebraska, Texas, and West Virginia)”

Let me assure you that these regulations might seem a bit harsh on all, but these will definetly help in reducing the accidents and preventing fatal losses. This will certainly result in saving life and property and getting you cheap car insurance or cheap auto insurance.

Happy 2010 to one and all.
Thanks.
Kamlesh

Paul Colligan : I am looking for tips to get cheap car insurance for my son a young driver of under 21. Your expert views will be appreciated :

10 tips to reduce car insurance cost

Response : You are one of the many parents who is looking for tips on getting cheap car insurance for young drivers. The most important thing is first to find the cause – reason for insurance rate being high for this group and than go about getting ways to get cheap car insurance.
The cost of insurance for this group in particular is high and if given the option, most car insurance companies would not want to take the risk from this age group. Studies have shown that young drivers between the age group of 16 to 21 are 10 times more prone to accidents than those in the rangefrom 30-59 years old. Insurance companies consider them the high risk group as they lack the driving experience and are usually unable to handle pressure situations. This group are aggressive drivers, easily influenced to taking of drugs and or consuming alcohol which are the main causes of most accidents. It is no wonder that insurance companies charged a very much higher premium for these young drivers.

Despite these negative facts about young drivers, all is not lost as even for this group, some discounts are still available. Below are some tips to reduce the insurance premium which should encourage them to be more responsible and careful when they are behind the wheel:-

1) Help your young drivers learn and be aware of the traffic laws. All traffic rules should be obeyed at all times to avoid being issued with traffic tickets or being involved in accidents. These are of no help in your effort to reduce car insurance cost for your family.

2) Set a good driving example for your children, right at an early age. Avoid road rage at all cost since agressive driving is another main reason why the car insurance cost for this group is high. If you would to shout at other drivers on the road, use the cell phone or even break the speed limit whilst behind the wheel; how would you expect your children to do differently when they are able to drive? Observed and analyzed your driving habits. Set good examples for them to follow and they will be good drivers in future. Remember, children tend to follow the examples set by adults; especially those of their parents. Be it good or bad examples.

3) In most cases, it will be better to include your teenager into your policy as an additional driver. He or she will then be able to qualify for the discounts you are currently enjoying. Should you purchase an independent policy, he or she may not enjoy the discounts and probably has to wait for at least three years to do so.

4) Motivate your son or daughter to get good grades in school/college. Inform them that by doing so, insurance company will consider them as responsible and would qualify them for discounts on their premium. Better still, you could pass on some of the savings to them as incentives if they continue to get good grades.

5) Encourage your teenager to attend courses on driving, in particular courses on defensive driving. Make sure to check with your insurance provider to ensure that the course offered by the school/college is recognize; so as to qualify them for farther discounts on their car insurance.

6) Buy an old reliable small family car, fitted with the necessary safety equipments for your young driver. Although most teenager may not like the idea at first; explain to them that it is for their own safety, as well as it contributes to a lower car insurance premium. A new flashy sport car may be nice to have but it may attract unnecessary attention (to car thieves) and encourage one to drive fast, thus increasing the risk of accidents.

7) Take this as an opportunity to interact and better understand your teenage son or daughter. Discussed with them the various ways to reduce the cost of car insurance for the family. As in tip No. 4, you may also pass a part of the savings for their ideas and contributions. Do not always make this as a habit of rewarding them or else they may get use to the idea of emptying your pockets at every opportunity. Motivate and reward them as and when necessary.

Discussed and explain to them about the ills of drugs and alcohol. This should be done especially if your teenager always feels that they have everything under control. The consequences of their ignorance on these topics could be catastrophic and even causes death, especially when they are behind the steering wheel.

9) Advise your young driver about the consequences of receiving traffic summonses/tickets. Depending on the severity of the offences, one may even be suspended from driving for a period of time.

10) Take a ride with your young driver from time to time. You may be able to spot some of his/her mistakes or bad driving habits. Point it out to them in a tactful manner and in due course, they will learn to be good drivers. If they are doing a job driving, praise them for their effort.

There you are the 10 tips on what you and or your teenager can do to reduce the premium on your family car insurance. In 2010 with the new changes in car insurance monitoring their driving with a GPS or web is also an alternate for the parents. Initially you may be of the opinion that it is not only difficult but also expensive to obtain cheap car insurance for young drivers. With the knowledge gain and some negotiating skills, you should be able to get cheap car insurance for young drivers.

Teenautoinsquote is here to help you, 24/7 .You can get a free auto insurance quote here at no obligation. Let us know any of your questions and we will do the best to help. The purpose of the web-site is not to sell insurance but bring in information and the best quotes.

Jackie Talyor : I am a new driver and this will be my first-time driving in the winters? Can you help me for safe auto driving and auto insurance?
Response: In addition to driving without cruise control activated and keeping gas tank levels at least half full, GMAC Insurance and Road Safe America compiled the following checklist to help keep people safe and prepared for driving in freezing temperatures:
1.Create a Safety Kit. Be prepared with safety essentials in your car, including extra windshield wiper fluid, warm gloves and a hat, flashlight, remote jump starter, tire gauge, safety flares and a blanket.
2.Give Your Vehicle a Check Up. Avoid unnecessary accidents by taking a few minutes to check your vehicle before heading out:
Use a small tire gauge to check your tires, as cold weather will lower their pressure.
Make sure taillights, headlights, blinkers and the horn are in good working order.
3.Play it Safe in the Dark. With shopping season in high gear, heavy traffic is more common, and nightfall comes earlier. When driving at night:
Avoid using any light inside your vehicle.
Use edge lines and center lines of the roadway as guides.
If street lights cause glare, dim your dashboard lights and use your sun visor.
4.Prevent Glare. Snowfall and other precipitation can serve up severe road glare:
Be prepared with a pair of sunglasses.
Avoid foggy blotches on your windows by cleaning the inside of your windshield regularly.
Consider using winter wiper blades designed to handle heavier road debris and snow.
5. Buckle Your Bundles. Loose gifts can be dangerous distractions, and according to a thesurvey, less than half of drivers (43 percent) secure their packages on the floor or buckle them down. Avoid projectile presents by driving slower and securing gifts in the backseat or placing them on the floor.

Once you drive safely and do not have car accidents your auto insurance rate will be low and cheap. Review you car insurance coverage from time to time. I am sure you will do well. All the best.

Rick :  I am 17 years old what is the best type of car insurance to be got in Florida?

Florida’s minimum coverage is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL) as long as you have a valid Florida tag.

The Bodily Injury Liability is a coverage that would pay for serious and permanent injury or death to others caused by an accident of your auto. Your insurer will pay for the injuries caused in case you are sued up to the limits of your policy. Your insurance company will also pay incase you or any member of your family or any person was driving the car, provided the person had the permission to drive the car and the person is holding a valid license.  This coverage also provides you with legal defense in the event you are sued by the injured party.

I would recommend that you should go for limits higher than this, since you are a teenager and if you can afford this, since the accident rate for teenagers is highest for this group. Not having sufficient liability limits can lead to grave financial consequences.

Kamlesh