Monday, June 7th, 2010 at
8:12 pm
Keith Baxter : What if I forget to fill in some information on my teen auto insurance application like informing about my other room-partner who is going to drive the car since the car is under my name?
Why take teen auto insurance if the policy can be void on grounds of misrepresentation ?
Response : This is a very common thing, when one does not declare correctly all the drivers in the household or of a car, which is in reality a lying to the insurance company about the facts of the auto insurance coverage. If you do not declare the right information on the auto insurance application and if these facts are material to the insurance, which are in your case of the driver of the vehicle, the insurance company can deny total coverage on the vehicle and void or cancel your policy. Cancellation of the teen auto insurance policy is one point of grave concern and the other is the fact that you will have difficulty in getting auto insurance from other insurance companies. It would also mean waving good bye to cheap car insurance, since you would be considred high risk driver by the insurance companies.
If you read the policy conditions of your auto insurance, no matter which general auto insurance company insurers you, the wordings might be different from company to company but the all have a condition that even if the conditions of the policy or there is any material change to the risk, you need to inform the insurance company about this, this means that if there is an address change, any additional driver, any change of vehicle, any accident or speeding ticket, change of useage of the vehicle, you need to inform the insurance company of the change of the risk. Thus, incase you started sharing the vehicle with your room-partner after issuance of the policy, you need to inform the insurance company of this.
Please do not hid any facts from the insurance company, whatever the risk is there are solutions of insuring them and what is more teenautoinsquote.com brings an opportunity for you to get best car insurance rates and cheap car insurance.
Thanks.
Kamlesh
Sunday, October 18th, 2009 at
9:09 pm
Keith Baxter: How can you get cheap auto insurance teen discounts? What are the auto discounts that a teenager can obtain for auto insurance?
Response: There are a number of discounts the teenager can obtain for a cheap auto insurnace quote and it would vary from company to company or change from time to time and hence the need to compare auto insurance quote. Here are some of the discounts :
Graduated driving lessons discount: Defensive driving is one of the ways of obtaining auto insurance discount for young drivers. The discount normally applies for 3 years. For example, if your auto insurance premium is $150 per month, the premium is $5,400 for 3 years. The policy holder will not get 10% discount on the comprehensive coverage, but all other auto insurance coverages. One can easily save $450-$550/- for their personal expenses in a period of 3 years.
Good student discounts: It has been statistically proved that young drivers who are good students are more reliable and mature and this enables them to make better driving decisions. Based on these findings, the young driver is given a discount of 5-10% for obtaining a good grade, normally an average over B in high school or college. If the young driver has to pay his or her own automobile insurance, this will be another motivator for him or her to make good grades
Auto Safety Features: Most insurers consider that owners with cars containing safety features may have fewer accidents and reduced injuries. Safety features like antilock brakes, air bags and other additional features in a car are encouraged especially for young drivers. The insurer will give you higher auto insurance discount for these safety features.
Claims free discount: Once you have had no claims on your auto insurance policy for 3 years, you will get low auto insurance rates since you will get a claims free discount.
Online Insurance discounts: Most insurance companies give a higher discount when insurance is bought online since they save operating costs.
Membership discount: Being a member of an association, a school or club would get you a car insurance discount.
Multiple cars, multiple coverage discounts can be obtained if you insure multiple cars or multiple coverages like auto and home with one insurance company.
I am sure these tis would really help you get auto discounts. Check out the quotes here and am sure you will not be at all disppointed.
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