Kim Roach: I am a college student and looking for the best car insurance rates? Is it okay if I do not opt for certain coverages like uninsured driver auto insurance? What happens when you get into an accident with a driver who has no auto insurance coverage? Will I get this benefit even if I do not have uninsured drivers coverage?
Response :As a college studnet I understand the need to having very cheap auto insurance rates and still wanting the best auto insurance coverages. Let me inform you that presently in the USA one driver out of every six driver is uninsured. Hence presently, this is one of the compelling reasons why you need to have auto insurance coverage and besides this you need an uninsured driver or underinsured drivers coverage. The main reason for insurance is to help you not getting into financial problems. If you do not have the best car insurance coverages than the very purpose of auto insurance would be defeated when something unwanted happens.
The underinsured or uninsured drivers car insurance coverage is not mandatory in all states of the USA. It is a coverage which is priced very low and hence it is safer to have it than not have it at this juncture when there is a large amount of people who are driving the highways and by ways of USA without insurance. .
Here are a scenario about what happens when an insured driver collides with an uninsured or underinsured driver:
• Uninsured driver – If your car collides with an uninsured driver and he or she is at fault, than your uninsured drivers coverage will pay for the repairs of your car and also any injury that you or any passengers in your car sustain. The only part is that your insurance company should conclude that you were not at fault. This is not so much of a problem since the traffic rules and deciding who is at fault is already laid down as per the traffic guidelines and the insurance regulations which the insurance companies have to abide to. You will need to get as much information from the driver and relay it to your insurance company. Depending on who is at fault and what was damaged, your insurance company will reimburse the damage to your car but probably at the expense of your premiums. The main thing to focus here is that this would not be considered a claim under your policy for underwriting purpose and so your insurance premium will not shoot up in the subsequent year. You will want to consider a lawsuit against the uninsured driver in this case or if your insurance company agrees they would pay you and you will subrogate the rights against the uninsured driver to them. In the question of underinsured driver it is the same case as above. What you need to consider is that you would be a winner in either situation if an accident happens.
Yes, this is given at the best car insurance rates since the premium for this is not high – it is purely based on the insurance industry claim data for such incidents, which is very low.
For getting cheap auto insurance quotes and best car insurance rates, please refer to my earlier post on the same on this blog. It would be a pleasure to answer any further questions you have once you have dig into and read my posts.

Thanks.
Kamlesh

Tony Robinns: Christmas is round the corner and my sons birthday is in December. I want him to buy a sports car – a Ford Mustang or a Ferrari or a Lamborghin. Someone was telling me that the teen auto insurance quotes for sports car is very high. Is it true and any tips would be appreciated.

Response: Tony, I am glad that you are thinking of gifting a sports car to your son. A Ferrari seems to be a handsome choice. Well, teen auto insurance quotes and car insurance rates are very high for any car. When you are gifting the sports car, I know that you are prepared for a high car insurance premium. This is a reality and no one can claim that they can get cheap rates with a combination of a teenager and a sports car since both are perceived as high risk by the auto insurance or car insurance companies.

Now without wasting much of your time, here are a few tips which can help you in getting a good auto insurance rate for the Ferrari.
1) Ensure that your son has a good credit rating and maintains this, since auto insurance rates are linked with credit.
2) Your teen’s driving record is very important. A clean driving record will go a long way in saving auto insurance premium even for sports cars. Talk to him and ask him to stay away from drunk driving, agreessive driving and distractions.
3) Shop around for the best insurance rates since a little bit of research will certainly go a long way. Each insurance company differs in their rating philosphy and so you can certainly find a good insurance quote by comparing the auto insurance quotes.
4) Review the auto insurance coverages and go for right car insurance coverages . The optimum limits and the optimum coverage should be the focus, since getting something good and befitting is the aim here.
5) Go for the speciality insurance companies since they offer better rates for higher risk.

I know your focus is getting the right auto insurance policy rather than cheap auto insurance policy and this will not be a big deal.
Enjoy your rides with your teenager! Have the thrill, speed and pleasure when the risk is passed on to the auto insurer.

Thanks.

Keith Baxter: How can you get cheap auto insurance teen discounts? What are the auto discounts that a teenager can obtain for auto insurance?

Response: There are a number of discounts the teenager can obtain for a cheap auto insurnace quote and it would vary from company to company or change from time to time and hence the need to compare auto insurance quote. Here are some of the discounts :

I am sure these tis would really help you get auto discounts. Check out the quotes here and am sure you will not be at all disppointed.