Justin Laverile : What kind of car should I look into buying right now? I am still not 18 years old and this is my first time looking to buy a car. Like most guys my age I’m looking for a cool looking car (sports-car-ish), but at the same time I want to avoid the expensive auto insurance that comes with a car like a corvette.

What car to buy for getting cheap inexpensive auto insurance :

Response : Justin, you are thinking in the right direction of wanting to get cheap auto inusrance or inexpensive auto insurance, since the car is one of the main factor on which your auto insurance rating is going to depend upon. It is obviously no secret that teen auto insurance is expensive and hence every effort should be made to get cheap auto insurance rates.

Let me also tell you that the insurance companies jointly are conducted research and gathering data on the safe cars and each year a list of safe cars are declared by the NHSTA and you can get the list from my blog post ” Safe cars of 2009

The insurance companies would provide cheap car insurance quotes for these cars since they are sure that these cars are safe. Please note that the general insurance companies have a basic rate for these cars and on this the loading for the driving history, the geographical area of operation and other loadings are applied. When you choose a car which is considered safe you are cutting down your basic auto insurance rate. This is huge.

The other reason why you should choose the most appropriate car is for your own safety. Your own safety and security is more important than even inexpensive auto insurance. The safe cars give you your safety and security.

Yes, getting a sports car is the dream of any young person at the magic age between 16-25 and this can be easily realized by you if first you chose a safe car which has inexpensive insurance and so you can build up your good driving history. Once you have a good driving history you can go for the sports car and still pay almost the same auto insurance rate since you will get a better rate now due to your established good driving history.

Hope this has been very helpful. Looking forward for your feedback and keeping this moving.

Happy Motoring.
Thanks.
kamlesh

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Brocklyn Decker : How to get cheap car insurance quotes for teen drivers those under the magic age of 25? This is because the teen auto insurance rates suck and are kept very high by the insurance companies.

Cheap car insurance quotes and tenn auto insurance :

Response : Yes, Brocklyn, I agree that the teen auto insurance rates are high and they suck. The insurance companies have kept these rates very high but you will suprised to know, that the insurance companies are not fools and base thier considerations on scientific data and research. Studies show that there are major differences in the frontal cortex of young driver’s brains when compared to more mature drivers. This is important because the frontal cortex is said to process reasoning and decision making. Until the brain matures, younger people are said to take more risks because the brain processes information differently.

Secondly, studies show that driver’s talking on cell phones are actually more likely to have an accident than a driver under the influence of alcohol. Studies also show that young drivers are more likely to drive while on the phone, put the two together and the odds of an accident double.

While younger females are more prone to accidents under 25, males appear to be even more at risk. One statistic points out that males under the age of 23 are four times more likely to be involved in a fatal accident than the average driver.
Under 25 Discounts

One way to possibly lower your car insurance rates, no matter what your age, is to take a defensive driving course. Some car insurance companies will discount your rates after the class, although keep in mind that the class will cost money too.

Another way to lower rates is to actually do good in school. If you’re enrolled full time in school and maintain at least a 3.0 grade point average, you may be eligible for a good student discount.

If you’re already done with school, you may also be able to get a discount for your diploma as some companies offer discounts for bachelor’s or graduate degrees.

Take graduated driving lessons so that your driving skills improve and you have a clean driving record which will help you to stay closer to getting cheaper auto insurance quotes.

You need to abstain from drunk driving, distracted driving and speeding. Yes, it is easy said than done but am sure with a little bit of control this would not be difficult for you.

Last but not least compare auto insurance quotes compare auto insurance quotes online. Check out the quote here at teenautoinsquote and am sure you will not be dissapointed.
All the above tips will help you get cheap car insurance quotes and you would be on the top inspite of the odds being against you.
Happy Motoring.
Kamlesh

Jay Stylish : I have reached the magic age of 25, I hear that auto insurance changes at the magic age of 25.

Is auto insurance cheaper at the magic age of 25?

Reponse : Jay, we live in a funny world where a small difference can affect something else in the opposite way. Once a young driver is 25 the game changes for car insurance. You are out of the high risk group and are stepping into the safe zone considered by the insurers. You were paying hearivly for your insurance, but now the game is changing in your favor.

You have reached a magic age of 25 when you are at an advantage for cheap car insurance quotes, by virtue of your age. Why is this?
1)You are now a mature individual and no longer bound to be reckless and are responsible. This itself would mean that you would be a careful driver.

2) Once you turn 25, car insurance companies believe you’ve finally got some significant driving experience under your belt. After all, you’ve probably had a license since you were 16 so you’ve been driving for nearly ten years.

Yes, at the magic age of 25 you are eligible for cheap auto insurance or cheaper car insurance rates and you are now out of the bracket of high risk teen auto insurance quotes.

You would not be able to get good grades discounts, if you have finished your studies, but do not worry about this. The basic auto insurance rate that you would be charged at the magic age of 25 years or after this would be much much lower and so you can do away with this discount.

Ofcourse, you wlll have to maintain a good driving record and compare auto insurance quotes and review car insurance and this would go a long way in helping you get cheap auto insurance and maintain cheap car insurance quotes. I am sure you must be happy to get out of the teen auto insurance bracket and be a young driver with an excellent driving record.

Thanks.
Kamlesh.

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