Thursday, November 5th, 2009 at
8:16 pm
Andy Jekings: I am adding my daughter to my auto insurance policy, and she’ll be taking one of my cars with her to college. Does this mean that she’ll be considered the principal driver on the policy?
Teen auto insurance
Response: Andy, you are missing the correct question behind this, what you really want to know is if your daughter is a principal driver than how would the insurance companies rate the policy or what will my auto insurance premium be.
Now let me explain this properly to you. If your daughter is borrowing your car to take with her to college, she must be listed as either a principal driver or an occasional driver on your insurance policy. Secondly, it would be important if the car is in the name of your daughter than she would be a principal driver. Most insurance companies will consider someone as the principal driver on the policy if he or she:
Is the registered owner of the vehicle,
Drives the vehicle to work or school, or
Drives the vehicle more than anyone else.
Check with your insurance company to see if you should list your son as a principal driver, and if so, how your insurance coverage and premiums will be affected.
If your daughter is listed as a principal driver than the auto insurance premium would be higher. If your daughter is using the car less and you are the principal driver than the insurance premium would be much lesser.
However, teen auto insurance premium for girls is much less expensive than the boys auto insurance premium. You can compare the teen car insurance quote here and am sure you will find cheap car insurance quote. Again you should try to obtain all the possible discounts so that you can qualify for cheap car insurance quote.
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Monday, October 12th, 2009 at
9:09 pm
teen auto insurance- auto accident
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.
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Saturday, August 8th, 2009 at
8:43 pm
G I Joe : How are the value of my car and the cost of repair determined for auto insurance purpose? Are there different rules for Teen auto insurance?
Response : There are several standard guidelines for determining the value of your car for insurance purposes, which are same for all car insurances even teen auto insurance.
You and your insurer can refer to one of the books that list the depreciated value of all new and used cars. One of these books is published by the National Association of Automobile Dealers another is published by Kelley Blue Book.
When you file your claim, your insurance company will refer you to a claims adjuster. The adjuster will verify the loss and determine what it will cost to repair the car. The adjuster’s estimate can serve as a benchmark to which to compare your own mechanic’s estimate.
No good adjuster or insurance company will expect you to sign an agreement accepting the insurer’s estimate as the total claim payment until you’ve established, to your own satisfaction, that it will cover the cost of repair. The insurer will expect you to get your own estimate from your mechanic, garage or car dealer. Don’t allow yourself to feel pressured into accepting the insurer’s estimate of repair costs without getting at least one estimate of your own.
Your insurance company can’t require you to have repairs done at a particular shop. But they can insist that you get more than one estimate for the work to be done on your car. Just as you want to make sure that your car is adequately repaired, the insurer wants to make sure it doesn’t pay a grossly inflated repair bill.
Don’t be surprised if your insurance company opts to pay for the lowest bid. You don’t have to accept that bid if you believe the low bid won’t adequately repair your car. Don’t hesitate to argue with the adjuster if you really believe his repair estimate is too low based on what your mechanic has told you.
Monday, July 13th, 2009 at
6:19 pm
Raymond (California) : Can I get auto insurance with just a learners permit?
Response: You can get auto insurance with just a learner’s permit. You should always remember that it is safer to drive an auto at any time with insurance than without insurance.
Most standard insurance companies do not even charge for this addition until you have your regular license in that situation. You can add your name under your parent’s insurance policy. No additional coverage’s are required in California. In fact, I’ve heard of parents insisting their insurance add their son/daughter to the policy! What most parents fail to recognize is that insurance covers CARS, not people! In the event of a collision, the insurance on the car will pay for damages to your car and, if at fault, coverage to other cars involved. NO ADDITIONAL insurance is necessary during the learning process.
Once licensed, all drivers must be on the policy.
If you are under age 18, you cannot buy insurance on your own because it is a contract. No one under that age can, because it would not be legally binding.
Sunday, July 5th, 2009 at
10:05 pm
Rocky: I am a teen. I do have a driving license but I do not have auto insurance. Can I park my car on the road without insurance?
No, Rocky I am afraid this is not correct. In most US States, cars cannot be parked on public roads without complying with car insurance laws. The car will be tower away or you would be given a violation ticket which will result in a fee. Be aware that a simple license plate check from authorities may reveal an uninsured vehicle.
If your vehicle is not in use and uninsured, than you can park is. This is called non operational vehicle, or sometimes in short called ‘non-op’ this is how this vehicle will be registered. If you file your vehicle under this status than the use of the car will be prohibited, but you can park the vehicle officially without problem. When you want to start using the vehicle you must notify and get the status changed to operational and buy auto insurance of comply by all financial responsibility
Thanks.
