Mary Shwartz: I am a girl going on 17 years old and I finally just got my license. Now my dad and I are looking for the cheapest auto insurance plan or the cheap teen auto insurance quotes . Help?

Cheap teen auto insurance quotes

Response : Mary, first let me congratulate you on getting your licence and am sure you will be more thrilled when you have your own car to drive.

Mary, it is good news for you that you are a girl since the teen auto insurance rates for girls are more cheaper and girls can get cheap auto insurance quotes when compared with boys. A 16-25 year male is considreed high risk as far as teen car insurance quotes are concerned.

Secondly, one of the easiest strategy to get cheap car inusnarce plans is to have your name added with your father under his policy. If you do this than it is certain that you will be eligible for cheap auto insurnace quotes from any of the general auto insurance company. You can be an added driver provided you are living with your parents. Some companies do allow you to be added on your parents policy if you are staying within a certain miles from your parents home.

The other way of getting cheap car insurance plans is to go online and get car insurnace quotes online. This way you can compare the auto insurance quotes and get the cheapest car insurance. It is difficult to say excatly which general car insurance company would give the cheapest auto insurnace quotes for teens since insurance rating is dynamic and dependent on the industries experience, the specific insurance companies own experience and also the georgraphical area and car that you buy. Please check out my blogs on the safest car for 2010 which gives you the cheapest car insurnace based on the cars. Also you can check out my post on auto insurance discounts.

Mary, try for a quote here at teen auto insurance quote and you will definetly not be disappointed. Get your cheap auto insurnace quote, today. Speed up to save and drive safe.

Thanks.
Kamlesh

Greg Anatomy : 3 week ago I hit a car from the back on a private property. The police came and said that nothing goes on your record and it just goes to your insurance company. I am worried if anything happens to you or your parents the cop said a claim would be made? What does it mean?

Teen auto insurance and car inusrnace claims

Response : Greg, let me assure you that there would be no legal issues with the police department for you or your parents if your parents or you already have an insurance coverage on your vehicle. If you do not have an insurance coverage and you are living in a state where there is a requirement of a mandatory auto insurance coverage it would be an issue.

Now, assuming that your parents did have an auto insurnace coverage and they had you covered as a driver on the car insurance policy, the incident would be reported to your insurance company. Your insurance company will file this as a claim on your policy. As per the auto insurance this will the a claim of third party property damage, since you have hit a car from behind and damaged it.

The insurance company will take the following steps :
1) Ask the policy owner (your parents) for filling in a claim form, prviding the details of the accident.
2) Decide who was at fault – In most cases if two vehicles are moving than it is usually the vehicle which hits from the back which is at fault. However, the general insurance company would decide this based on each case.
3) The general insurnace company will pay for the damages to the vehicle.
4) Since this is a claim on your vehilce the auto insurance premium would be affected on the renewal and might be higher.

If you have acccident forgivness on your policy the first accident would be forgiven and the insurance will not be hiked.

To ensure that you get a cheaper car insurance policy it it best to kee a good driving record. The second measure for getting cheap car insurnace rates is to compare auto insurance quotes online.

Thanks
Kamlesh

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Dan Holdings : Is it complicated to get a cheap car insurnace quotes for teens online?

Cheap car insurance quote made easy and simple – only for you.

Response an, I would say that getting a teen auto insurance quote and a cheap car insurance quote for that matter is just the most simplist thing you can do. Now, it is not a waste of time, energy or money with the internet and online facilites. You can even gift your young driver cheap car insurance quotes as a birthday present.

Though this might seem a bit of an odd adivce, it is best to have the car in your teens name and let him have his own auto insurance policy. This will make him responsible and careful, thus you ensure his safety at the cost of a few dollors. What is more important is that you are building up a good record for him- a driving history which will help him/her to get cheap car insurance quotes for themselves since they would earn the good drivers discounts and the rates would be reduced for them.
Here, your teens basic auto insurance rate would be lowered since they have a good driving history behind their own names.

Secondly, trust him and encourage them to follow the rules. Open discussions and help in driving or guiding when required is one of the best ways to help them. Treating them as equals would bring about the maturity and judgment and self-confidence, which is what good driving is all about. You need to be confident and have a good judgement.

Explain to them and try to create an atmosphere where the rules of the traffic, the curfew rules are followed not because they are implemented but out of their own will. I know saying this is easier than done, but there are lots of ways to it like letting them know about incidents on auto crashes or issues – just a small U-tube video could do the trick.

Last but least the eaisest step today is compare teen auto insurance quotes online- this is a dynamic market and once you know what you are looking for and you can compare the ratings with 4-5 companies, the task is very easy. You would agree with me that it is not complicated to get a cheap car insurance quote online, what is more important – it would ensure teen safety which is far vital.

Happy clicking and clutching.

Thanks.

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Michael : I am teenager and am looking for car insurance discounts. Please help me.

Auto insurance discounts for best car insurance rates.
Response : The auto insurance discounts that would be given by the insurance company and the percentage of discount applicable would differ from insurance company to company.  Here are a few discounts that are normally given to the teenagers on their  auto insurance policies:

1. Driver training discount given for young drivers who have completed divers training.
2. Good student discount is given to students who have good grades tend to be good drivers, however this discount is limited to high school or full-time college student. This discount is applicable only as long as they are maintaining the required grads.
3. Non-smoker or non-drinker discount are becoming increasing popular. The non-drinker is a low hazard risk for the insurer, however this is not offered by all insurers. 
4. For safety devices like air-bags which help in preventing the severity of injury
5. Anti-theft devices – which will prevent car from getting stolen.
6. Resident student discount is offered if there is one vheicle in the family and the student is a resident student living at least 100 miles away from home.
7. Multi-car discount when you are insuring two or more cars with the same insurer.
8. Multiple policy discount when you have more than one coverage with a insurance company like auto, home life, health.
9. Commuter or car pools – If you drive just a few miles and take public transportation.
10. Mileage discount is also offered if the use of mileage of your automobile is less .

Check if you qualify for any of the discounts and even if you qualify for five of the discounts you will get the best car insurnace rates. Compare teen auto inusrance online to get the cheap car insurance rates now.

God bless

Kamlesh