Brocklyn Decker : How to get cheap car insurance quotes for teen drivers those under the magic age of 25? This is because the teen auto insurance rates suck and are kept very high by the insurance companies.

Cheap car insurance quotes:Response : Yes, Brocklyn, I agree that the teen auto insurance rates are high and they suck. The insurance companies have kept these rates very high but you will suprised to know, that the insurance companies are not fools and base thier considerations on scientific data and research. Studies show that there are major differences in the frontal cortex of young driver’s brains when compared to more mature drivers. This is important because the frontal cortex is said to process reasoning and decision making. Until the brain matures, younger people are said to take more risks because the brain processes information differently.

Secondly, studies show that driver’s talking on cell phones are actually more likely to have an accident than a driver under the influence of alcohol. Studies also show that young drivers are more likely to drive while on the phone, put the two together and the odds of an accident double.

While younger females are more prone to accidents under 25, males appear to be even more at risk. One statistic points out that males under the age of 23 are four times more likely to be involved in a fatal accident than the average driver.
Under 25 Discounts

One way to possibly lower your car insurance rates, no matter what your age, is to take a defensive driving course. Some car insurance companies will discount your rates after the class, although keep in mind that the class will cost money too.

Another way to lower rates is to actually do good in school. If you’re enrolled full time in school and maintain at least a 3.0 grade point average, you may be eligible for a good student discount.

If you’re already done with school, you may also be able to get a discount for your diploma as some companies offer discounts for bachelor’s or graduate degrees.

Take graduated driving lessons so that your driving skills improve and you have a clean driving record which will help you to stay closer to getting cheaper auto insurance quotes.

You need to abstain from drunk driving, distracted driving and speeding. Yes, it is easy said than done but am sure with a little bit of control this would not be difficult for you.

Last but not least compare auto insurance quotes compare auto insurance quotes online. Check out the quote here at teenautoinsquote and am sure you will not be dissapointed.
All the above tips will help you get cheap car insurance quotes and you would be on the top inspite of the odds being against you.
Happy Motoring.
Kamlesh

Jay Stylish : I have reached the magic age of 25, I hear that auto insurance changes at the magic age of 25.

Is auto insurance cheaper at the magic age of 25?

Reponse : Jay, we live in a funny world where a small difference can affect something else in the opposite way. Once a young driver is 25 the game changes for car insurance. You are out of the high risk group and are stepping into the safe zone considered by the insurers. You were paying hearivly for your insurance, but now the game is changing in your favor.

You have reached a magic age of 25 when you are at an advantage for cheap car insurance quotes, by virtue of your age. Why is this?
1)You are now a mature individual and no longer bound to be reckless and are responsible. This itself would mean that you would be a careful driver.

2) Once you turn 25, car insurance companies believe you’ve finally got some significant driving experience under your belt. After all, you’ve probably had a license since you were 16 so you’ve been driving for nearly ten years.

Yes, at the magic age of 25 you are eligible for cheap auto insurance or cheaper car insurance rates and you are now out of the bracket of high risk teen auto insurance quotes.

You would not be able to get good grades discounts, if you have finished your studies, but do not worry about this. The basic auto insurance rate that you would be charged at the magic age of 25 years or after this would be much much lower and so you can do away with this discount.

Ofcourse, you wlll have to maintain a good driving record and compare auto insurance quotes and review car insurance and this would go a long way in helping you get cheap auto insurance and maintain cheap car insurance quotes. I am sure you must be happy to get out of the teen auto insurance bracket and be a young driver with an excellent driving record.

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.

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.