I’m 16 years old i was driving to a friends house when i lost control of my 2000 chevy blazer, I hit a tree doing about 55 I shattered my kneecap into 8 pieces and I was unable to walk for two months, i live in Jacksonville florida. 7 cars drove by while I laid bleeding on the side of the road one person finally stopped as I had given up. I am looking for a good auto insurance quote.

-Brett H.

Response: Brett, I am sorry about you accident and the fact that you had such a bad experience on the road. Hope you are feeling much better. Now as on getting an insurance quote, you have come to the right place and I am sure you will find a cheap car insurance quote here. However, cheap is relative to what you are being offered elsewhere since, you have already a car accident and so irrespective of whether you are at fault or not, your insurance premium will increase, since the insurance company had to bear the expense. The auto insurance rate will be high only for about 3 years, wherein most companies would consider loading for the claim. The claim will be on record for a period of 7 years.

I advise you to go for graduated riving lessons if you have not taken them and this will help in bringing down your insurance premium since you will be offered a discount. Take the driving lessons and this will help in building your confidence and judgment. Secondly, please see that you have the safety features in your car and this will also help in getting a discount and will ensure your safety.

Take care.

David Letterman : I have a child away at college (different state) with his car. For tuition purposes, the car was registered in the state where he’s going to school. We are currently with a large, well-known company (rhymes with farmer) and he’s on our PAP. My instinct and training tell me that we should put him on his own policy; however, you all know what that means in premium dollars for a youthful driver, clean record or not. There’s one additional important note, we are still on title for the vehicle, along with the bank. Insurable interest, yes? Anyway, I’m looking for opinion here from an underwriting and claims standpoint. Your feedback is appreciated!

Response : You should be able to keep the car on your policy. You have an insurable interest and if your kid is at fault in an accident they will go after the registered owner – you.

When I did personal lines this came up often. Garaging can & will make a difference in premium. I was in Iowa at the time, had a family send their kids to college in DC. Kept him on the policy, the premiums increased dramatically just due to the new location.

An issue could come up if your company does not write where he is going to school but (rhymes with farmer) is in most states for auto.

FYI if you take the kid off your policy they can keep good student with most companies but would lose multi car and auto/home discounts.
You can try online for a free auto insurance quote and find out the comparitive quotes.

Mac : I am a 16 year old teenager and I want to get cheap teen auto insurance quote, please let me know how to obtain the same?
Response : Mac, don’t worry, you are not alone wondering to get cheap teen auto insurance quote, and many other people are often wondering how to get it as well. There are some key factors that come into play when you are trying to figure out how to get inexpensive car rates. One of these keys is to assess how much you are going to be driving. Obviously, someone who drives less is going to get a cheaper rate than someone who is going to be driving 20,000 miles per year.

So in order to get cheap teen auto insurance, you will need to cut down on your driving for sure. Keeping it around 5000 miles per year will ensure that you get a much lower rate. This is because these people are at a much lower risk to get into an accident than other people who are driving more miles.

You also need to do research to find out which company is going to offer you the lowest teen auto insurance rate. There are certain companies that will give you a better rate than others, you will just have to go around and talk to different ones. Now, this is easy online.

Those two things will really be key to getting a cheap teen auto insurance quote; your mileage per year, and the company that you go with. Some people underestimate how much money you can save by simply reducing the amount of driving that you do. Also, it literally pays to shop around and find the right company as the right one is right around the corner.

A little bit of preliminary research and find out which companies are giving good quotes, and go from there. Getting a cheap teen auto insurance quote is really easy, you just have to look around and follow these keys.

Jennifer : I am 16 year old and live in Florida. My mother wants me to go for defensive driving so that I can get a car insurance disocunt. My mother thinks that with this it would be possible to get cheap teen auto insurance rate? Do you think this is possible.

Response : Jennifer, your mother is on the right track for teen auto insurance. Yes defensive driving will give you a discount and it will be also possible to get cheap teen auto insurance quote easily online also. Defensive Driving Discount.” This discount can save you 10 percent on most of the major coverages under your auto policy, such as liability, medical payments, and collision coverage. Defensive driving courses can cost as little as $20 and last as few as 5 or 6 hours. However, the discount normally applies for 3 years. For example, if your auto insurance premium is $100 per month, the premium is $3,600 for 3 years. If liability, collision, and medical payments or personal injury protection coverage constitute 85 percent of this $3,600 premium, the resulting premium subject to this discount is $3,060. In this scenario, the actual premium savings would be $306 (10 percent of $3,060) for that
3-year period. To get the true savings, you must deduct the cost of the defensive driving class. If the cost is $26, the savings in this example would be reduced to $280. If you spend 6 hours taking the class, you are earning $47 per hour in savings—not an unproductive way to spend a Saturday! What is more you can protect your driving history since you learn to drive safe. All the best.
Kamlesh.