Teen auto insurance

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

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Teen auto insurance

Teen auto insurance

Querry: Does your auto policy cover you if your laptop is stolen out of your car? How about if you leave your car running while you run into a store and it gets stolen? Or you hit a pothole and it causes the frame of your car to bend?

Response: Getting cheap car insurance for college students is possible once you know our insurances coverages throughly. If you know what are the limitations and what risk is covered you can pick and choice as per what the risk that you are facing. Recently a surrvey was conducted by an insurance company in Pennsylvania. Of drivers surveyed in Pennsylvania 61 percent believed their auto policy covers them if personal items are stolen from their car.

Let me clarify here that the personal belongings are not covered under a car insurance policy but would be covered under a homeowners or renters policy. Hence one should be careful of the coverages that one has under the homeowneres or renter policy. Your car insurance polucy would not cover the personal belogings.

Only 32 percent of respondents thought they were covered if they left their car running and their car was stolen. And, while 53 percent of drivers knew they would be covered if a pothole causes the frame of their car to bend, 33 percent thought it would be covered under comprehensive. This loss of a pothole is not covered under the comprehensive coverage but would be covered under collision. It is the collision impact which causes the damage., when in fact, it would be a collision claim.

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Teen auto insurance