Teen auto insurance

Eric Rockfeller : Are auto insurance discounts offered to college students? How can one get more discounts?

Cheap car insurance quotes for college students.

Response: Most certainly college students would qualify for auto insurance discounts and cheap car insurances just like any other drivers. What you need to remember is that the discounts would differ for each category. The truth is that college students enjoy more discounts than other normal drivers and they get additional discounts like:

1. Being an additional driver on their parent’s policy. Living with parents and remaining on their policy often is the easiest way to find cheap car insurance for college students.
2. Good student’s discount: College students who earn a grade point average of a “B” or better are often given good student discount auto insurance.
3. Group discount of being a member of the college or institute based on which insurance company they have tied up with. Some colleges or institutes have a tie up with certain insurance companies for all their insurance needs and these companies offer an additional group discount to students for their insurances. However, it is still advisable to compare auto insurance rates since the basic rate of the insurance company might be higher.
4. Defensive driver education course discount is offered to college students or young drivers or teens for taking up this course. Some insurance companies offer up to 15% discounts on this.

Additional common auto insurance discounts:

5. Low mileage discounts: Low mileage discounts can be obtained for those who commute a short distance to work and school. With the new technology online this is very easy since insurance companies offering drive as you go polices or GPS to track your mileage.
6. Increasing your deductible limits would help you in reducing auto insurance premium and getting cheap auto insurance quotes. The higher the deductible the lower will be the auto insurance premium.
7. Get multiple quotes online to find cheap insurance for young drivers without having to fill out the same information for each company. Also if you go for multiple coverages with the same insurer you will get higher discount. Buy home and auto insurance from the same insurance company.
8. Keep a good credit score and you will be rewarded with discounts or cheap car insurance quotes.
9. Most important is that you should establish a good driver history. A good drivers discount of 20% is given to a driver who has been licensed for at least three years, has not had accumulated more than one “violation point” against their driving record, have not been found liable for an accident which resulted in a death or injury and have not had a conviction for driving under the influence of drugs or alcohol in the past seven years. Therefore, it is very important to to always obey traffic laws and practice safe driving at all times to maintain a clean record Never drive intoxicated. A Driving Under the Influence (DUI) conviction may result in a young driver not qualifying for car insurance policies offered by reputable inexpensive companies.
10. Air Bags and Automatic Seat Belts: There are insurers which will apply a reduction to a premium of up to 30% on Personal Injury Protection (PIP) and Medical Payments for having these safety features. The basic principle behind this is because if an insured is involved in an accident these features can prevent the risk of injury or lower the amount of injuries sustained by the policyholder and/or passengers.
11. Anti-Theft Devices: Companies offer a lower rate on Comprehensive coverage to those who own a vehicle equipped with low-jack, a GPS tracking system or an alarm. There are two reasons for this. The first is that an alarm can deter a thief if it is activated which in turn may stop them from stealing the automobile. Secondly, if a vehicle is stolen and it can be tracked, it raises the chances of recovering vehicles and the automobiles being recovered in a timely fashion which can result in minimum damage. This will save the insurer a significant amount of money if a claim is filed and the automobile is recovered before it can be stripped or destroyed. The savings on coverage are usually in the area of 5% which may not seem like much but in combination with others it can add up.
12. Anti-Lock Brakes (ABS): Having anti-lock brakes can enhance the ability to stop before striking another vehicle and therefore can offer a rate reduction of 5% or more on Property Damage and Bodily Injury policies

Remember that you will get a maximum discount of 40-45% overall even though you qualify for a lot of discounts. This is because most insurance companies do not allow overall discounts higher than this and there is a cap on the maximum allowable discounts. However, you can rest assured that you will win cheap auto insurance quotes.

Thanks.
Kamlesh

Teen auto insurance

Teen auto insurance

Dan Thesis: How much is teen driver education helpful for teen drivers and teen auto insurance?

Response: Dan, let me assure you that this is very important. Teen drivers learn a lot and become mature drivers with little driving education and the insurance companies offer higher discount to teen who take driving training. A Georgia state law adopted in 2007 that required driver’s education for all 16-year-olds also created a way to help pay for it, but only 20 percent of funds collected under the program have been appropriated for its use.

State officials say the law does not require all the money collected through an extra fee on traffic tickets to be spent on the teen driver’s education program, but the father of the boy who inspired the law says more money generated by the law should be used for that purpose.

Alan Brown’s son, Joshua, died in a car accident in 2003. Since then, Brown said Joshua’s Law has helped thousands of Georgia teens become safer drivers.

“I wrote this law to save lives and to honor my son,” Brown said. “I wanted to create a way to pay for driver’s education without mom or dad or the taxpayers having to pay for it.”

From fiscal years 2005 to 2009, $38.4 million was collected from the add-on fine and went into the state’s general fund. The legislature appropriated $2.7 million per year for fiscal years 2007 to 2009, for a total of about $8.1 million.

Joshua’s Law was passed during the 2005 General Assembly and took effect beginning Jan. 1, 2007. According to the law, all 16-year-olds applying for a Class D driver’s license must complete an approved driver education course and 40 hours of supervised driving, including 6 hours of night driving. The teen’s parent or guardian must provide a sworn verification that these requirements have been met.

Any Georgia resident who has not taken the driver’s education class must be at least 17 years old to get a driver’s license, but must meet the same supervised driving requirements and have parent verification.

The law also aimed to help more teens get into driver education and training programs, and created a 5 percent surcharge on traffic tickets to help fund the programs.

The Georgia Driver’s Education Commission was established, in part to administer those funds to public schools and libraries, and created a grant fund for eligible parties to apply. Bob Dallas, vice chair of the commission and head of the Governor’s Office of Highway Safety, said the state is not required to spend all of the money raised through the surcharge on driver’s education and must balance the program’s needs with others in the state.

“The legislators have to make a decision as to where the money goes,” Dallas said. “They truly do care and are very much interested in our teens being educated to be good drivers so we have fewer of them get into injuries and crashes that cause deaths.”

Under the grant program, 10,200 students completed the grant-provided driver education courses in 2008 and public libraries in 113 locations made available online driver education instructions to high school students across the state.

Brown said that’s a start, but that the state must do more.

“All these kids that are now alive, I’m extremely thrilled with that. But the state is tainting my son’s name by not doing what they’re supposed to be doing.”

Such great helps is being offered for teenagers and so each teenager should take this course and it is a moral duty of parents to encourage their children to do this. It really works and statastics have proved this. Teenager need independence and guidance to stay safe and get cheap teen auto insurance quotes.

Thanks.

Kamlesh.

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Teen auto insurance