Matt Laurer : Is it legal to buy teen auto insurance in my girl-friends name? We would both be using the car? In whose name would I have to regiester the car?

Teen auto insurance : Cheap car insurance quotes for girls.

Response : Matt if the car is being bought and regiesterd under your girl-friends name than you can offically buy insurance under her name. However, since you would be using the car you need to be included as a named driver on the car legally if you are living together.

Now, if you are not living together and you are doing this just because teen auto insurance quotes for girls are cheaper and you will get cheap car insurance for your girlfirend, I am sorry to say that this is not legal and should not be done. Failure to disclose the known driver is an Insurance Fraud and a Felony .

If you are caught for the fraud the insurance company can take the following steps:

1. Cancellation of the insurance policy and the policy will be considered void which would mean that the insurance company is not liable to pay for any loss or liablity. An insurer is not required to pay claims or damages that are the result of insurance fraud.

2. The insurance company can ask you to pay your premium at an increased date which would be the most liberal action.

3. Your girl-friend’s policy would be cancelled for mis-representation and she would than find it difficult to get another insurance since the very basis of an insurance is good-faith.

4. Felony fraud charges could be filed against you and any one who was complicit in the fraud. i.e. your girl-friend.

5. Revocation or suspension of your driver’s license

6. If stopped by a Law enforcement officer and he realizes what you have done, he can have your vehicle towed and impounded, confiscate your driver’s license and even arrest you if he so chooses. not to mention thousands of dollars worth of associated fines in the form of tickets, attorneys, bail bonds and court costs.

This is just the starting of troubles. The best course would be to look for cheap car insurance for yourself and here are some tips.

Tips on how to get cheap car insurance – cheap teen auto insurance quotes :

Go for graduated driving lessons. Graduated driving lessons will give you a discount of 10-20% on your teen auto insurance quote. Besides you will develop the skills of a good driver and build a good driving history for yourself which will lead you to cheap car insurance quotes for life-time. It is advisable to pay a little higher on teen auto insurance and save for a life time offically.
The way to “legally” get your insurance rates down is by taking an approved drivers training or education course and by asking for any good student discounts available from your insurer if you have a at least usually, a “B” average.

Getting good grades would also earn you discounts.

Get discounts on low mileage and safety features of vehicles. Refer to my article on auto insurance discounts.

You can have the vehicle registered under your parents name and be an additional driver on their policy and this will reduce your premium by nearly 50%

Good Luck and Happy Motoring

Cheap car insurance- Say no to DUI

Christmas is the time for celebration. Its party time for all of us, especially the teens, the college students and the young people. They have to live up to it. Cheers and Merry Christmas.

The Highway patrolling will be on the alert and your driving license could be suspended. Texas, Florida, Colorado have high patrolling.
Please do not ruin your Christmas with drunk driving and do not give away your cheap car insurance, more so do not risk your and your friends or loved ones safety!!! Do not drink and drive.

This is the time when young drivers like you get involved in a drunk driving accident. See the statastics and do not become just a statastics.
Car insurance for young drivers news – Car accidents takes away cheap car insurance.
Alcohol is the cause of 60% of all teen deaths in car accidents.
31% of teenage drivers who are involved in fatal car wrecks had a blood alcohol concentration of .08 or higher.
Teenage boys who have a blood alcohol concentration of .05 are18 times more likely to suffer a single vehicle crash than a non drinking teenage boy.
Teenage girls who have a blood alcohol concentration of .05 are 54 times more likely to be involved in a vehicle crash.
Nationally in the United States, over 12% of all fatal crashes were alcohol related and 40% of those involved teenage drivers who were drinking.
Teenagers are less likely to drive drunk than adults.
Adolescents are more likely to drive drunk than teenagers.
Eight teens die daily in alcohol related vehicle crashes.
Each day 1,400 injuries and 15 deaths occur to teenage drivers, 40 percent are alcohol related.
Almost 1,500 teens age 15-20 die in car crashes annually in the United States.
The excuse given by teens who were caught drinking and driving include: Prom, graduation, spring break and breaking up with their boy or girl friends.
Six of ten high school juniors and seniors admit to riding with an alcohol impaired teenage driver.
The number of teenagers who drink in cars is about 40%. Of that number, 40% of those were teenage drivers who were drinking.
Alcohol is the cause of 60% of all teen deaths involving car accidents.
21/12/2009Happy Christmas. Remember that getting involved in adrunk driving is going to be a costly and dangerous for you. If you are drunk:
1) Call the taxi.
2) Have coffee
3) Stay with your friend and do not drive.
4) Have some food.

Enjoy yoursef and Merry Christmas.