Teen Auto Insurance Quote » Auto Insurance Discount

Need cheap students auto insurance quotes ?

Kamlesh Desai — Fri, 19 Feb 2010 03:18:15 +0000

Shawn White : My teen – a young student has moved back home. He had his own auto insurance policy but now with my job gone. I am lokking for cheap students auto insurance quotes or teen car insurances. I cannot afford the high auto insurance premium. Please help me to get cheap car insurance?

Teen auto insurance : Cheap car insurance
Response : A recent Pew Research Center study found that, in the past year, nearly 13 percent of parents with grown children have had at least one of their adult sons or daughters return home to live for financial reasons. Saddled with college loans and unexpected job loss, these young adults are forced to live at home until they can find a job and get their finances back on track.

This is a time of economic down turn and with the layoff in the jobs, bad employment situation, you are not the only one. Yes, you might be considering the auto insurance coverage.

Teen auto insurance coverage is another important consideration. Does the young adult have his or her own car that needs to be added to the parent’s policy? Or does the young student need to be added as another driver of an existing family vehicle? The good news is parents can keep any member of the family on their auto insurance policy as long as that person lives in the same house. But rates may increase and to decrease this and get cheap auto insurances and the best car insurance rates you must start looking for additional discounts.

Here are some additional discounts that you can have – multiple auto insurance discount, multiple polices discount – coverage for home and auto insurance together gives you a discount of 10=15% on both. Low mileage discounts, anti-theft discount. You can still get your good grades discount and of course compare auto insurance quotes online to get the best auto insurance quotes. I am sure you will find cheap auto insurance quotes.

News on: Car Insurance in New Jersey

Kamlesh Desai — Fri, 04 Dec 2009 01:03:18 +0000

Taylor Swift : I live in New Jersey and am 19 years old. I find that the car insurance rates in New Jersey are very high. Please let me know why this is so and how I can obtain cheap auto insurance quotes for teenagers?

Response :Hey Taylor, I know that this is one of the major problems for teenagers. They want to desperately get behind the wheel and be independent, however the auto insurance or car insurance rates are very high and this is one of the major draw-back.

As far as New Jersey is concerned as per the latest news of today 3rd December 2009 : New Jersey is No. 2 when it comes to the nation’s highest auto insurance rates.Data in the National Association of Association of Insurance Commissioners’ annual report shows the average Garden State resident in 2007 paid just over $1,100, down 4 percent from the year before. Only Washington D.C. residents paid more for auto insurance.
The Star-Ledger of Newark and Record of Bergen County’s Statehouse Bureau reports New Jersey’s rates have fallen by 9.6 percent since their peak in 2004. Nationally, rates fell by 5.6 percent between 2004 and 2007. New Jersey, the nation’s most densely populated state, typically ranks at or near the top of the list of expensive places to insure a car. If the population is dense the chances of accident are higher and hence the rates are higher.

Secondly, the teenaged drivers are considered a higher risk and so the auto insurance rates for them are very high. Since you are a girl the rates for females will be much lower than insuring boys of this age since boys are thought to be irrational and immature drivers.

You can certainly get cheap auto insurance rates by shopping online, looking for discounts. Please see my article on Cheap Car insurance

Related Blogs

Eight great auto insurance discounts for teen auto insurance.

Kamlesh Desai — Mon, 19 Oct 2009 03:09:42 +0000

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 :

Graduated driving lessons discount: Defensive driving is one of the ways of obtaining auto insurance discount for young drivers. The discount normally applies for 3 years. For example, if your auto insurance premium is $150 per month, the premium is $5,400 for 3 years. The policy holder will not get 10% discount on the comprehensive coverage, but all other auto insurance coverages. One can easily save $450-$550/- for their personal expenses in a period of 3 years.

Good student discounts: It has been statistically proved that young drivers who are good students are more reliable and mature and this enables them to make better driving decisions. Based on these findings, the young driver is given a discount of 5-10% for obtaining a good grade, normally an average over B in high school or college. If the young driver has to pay his or her own automobile insurance, this will be another motivator for him or her to make good grades

Auto Safety Features: Most insurers consider that owners with cars containing safety features may have fewer accidents and reduced injuries. Safety features like antilock brakes, air bags and other additional features in a car are encouraged especially for young drivers. The insurer will give you higher auto insurance discount for these safety features.

Claims free discount: Once you have had no claims on your auto insurance policy for 3 years, you will get low auto insurance rates since you will get a claims free discount.

Online Insurance discounts: Most insurance companies give a higher discount when insurance is bought online since they save operating costs.

Membership discount: Being a member of an association, a school or club would get you a car insurance discount.

Multiple cars, multiple coverage discounts can be obtained if you insure multiple cars or multiple coverages like auto and home with one insurance company.

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.