Blake Lively : What are the most important questions to be answered for reduce your auto insurance premium?

Response: Teen Auto insurance can be reduced in a number of ways, which is the most important in this tough times. You need to ask yourself the following questions :
1) Is the teen auto insurance coverage limit correct?

If you are driving an old car which is an old model say more than 10 years old or it is not a very expensive car, than you need not take the comprehensive and collision coverage. This way you will save a lot in car insurance premiums.

2) Have I provided all the updated information on the policy: If your credit record has impoved, or you are not having other drivers living with you, or if you have moved, it is best if you inform the insurance company about this since your car insurance policy premium will reduce.

3) What should be my deductible ?
The higher the deductible the less will be your auto insurance premium. According to the Insurance Information Institute, raising your deductibles to $500 could reduce your Collision and Comprehensive costs by 15 to 30 percent.

4) Are there any discounts which I can be eligible for ? The insurance companies do offer different discounts from time to time and this is what you should examine. Secondly, if you have not been involved with a auto accident and are with the same insurer you might qaulify for a no claim discount. Safety discounts might be obtained if you have added safety features like anti-brake to your vehicle.

5) Should I shop online for auto insurance rates? Most certainly since the internet is changing marketing and bringing the insurance company right at your door step. You can certainly check out the free online quotes. You need not pay anything since the insurance company is paying a very small cost for advertisments to individuals who are marketing their offers. You get the benefit of the best rate and your tailor made coverages. Your auto insurance premium can really reduce if you compare and search fro cheap auto insurance quotes.

All the best.
Thanks.
Kamlesh

Failure to negotiate sharp curve. During the early morning hours of April 30th, 2000 a teenager on his way home failed to negotiate a curve lost control on the berm of the road, ran down into a culvert jumped approximately 5ft up in the air struck a tree then landed in the culvert again up against a drainage pipe.

It took rescue workers 20 minutes to extricate the teen who was trapped from his waist down, the roof had to be peeled back with jaws of life and the driver door had to be removed. He was flown to a local trauma center where he was treated for his injuries.

Teenager was injured badly in the accidents. However the main factors which save the teenager Brain in this accident were the foollowing :

The teenager was not actually speeding and hence though he lost control in this case, the impact was lesser.

The auto had a strong roof, had good safety features

The teen had put on the safety belt.

Life is very valuable and it is true that if you do have an auto insurance claim, your premium will increase for 3 years, however being alive and in complete good health is more important.

The above three points are the key points for auto accident safety that each teenager and parents should keep in mind. The teenagers need to understand the importance of safety features since your judgment and alertness might be affected becaues of a number of factors.

Parents should buy cars which have good saftey features and which are strong. National Highway Safety Institute keeps on publishing the reports on the safety of the cars from time- to time. Yes, the auto insurance companies also give you a good discount of 5-10% for safety features of the auto.
Teenager auto insurance quote should be shooped around and you would get cheap auto insurance quotes, but even more important is to drive safely and utilise the safety features like a seat belt. Enjoy your Haloween and happy trick or treat!

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.

I’m 16 years old i was driving to a friends house when i lost control of my 2000 chevy blazer, I hit a tree doing about 55 I shattered my kneecap into 8 pieces and I was unable to walk for two months, i live in Jacksonville florida. 7 cars drove by while I laid bleeding on the side of the road one person finally stopped as I had given up. I am looking for a good auto insurance quote.

-Brett H.

Response: Brett, I am sorry about you accident and the fact that you had such a bad experience on the road. Hope you are feeling much better. Now as on getting an insurance quote, you have come to the right place and I am sure you will find a cheap car insurance quote here. However, cheap is relative to what you are being offered elsewhere since, you have already a car accident and so irrespective of whether you are at fault or not, your insurance premium will increase, since the insurance company had to bear the expense. The auto insurance rate will be high only for about 3 years, wherein most companies would consider loading for the claim. The claim will be on record for a period of 7 years.

I advise you to go for graduated riving lessons if you have not taken them and this will help in bringing down your insurance premium since you will be offered a discount. Take the driving lessons and this will help in building your confidence and judgment. Secondly, please see that you have the safety features in your car and this will also help in getting a discount and will ensure your safety.

Take care.

Randy: I am a teenager and am looking for discounts on auto insurance quote, can you let me know what to do?

Response: Sure Randy, I know this may sound unbelievable, but low auto insurance quotes are possible even for teenagers. Here are 10 tips for saving auto insurance premium:
1) Till you possible can, please insure yourself under your parents policy as an additional driver. This will reduce your auto insurance rates by almost 50%.
2) You should stay within 100 miles of your parent’s residence so that you can insure your car with them as an additional insured. If you stay in another state or far from them this would not be possible.
3) Obtaining good grades with a GPA of 3.00 will be in your advantage and you would be able to save at least another 10% on your insurance premium.
4) Taking the graduate driving course is profitable for you, both in enhancing your driving skills and also in learning to drive with a greater maturity. All most all insurance companies will offer you discount for this.
5) Drive carefully and if possibly without any companions – this will help you to avoid accidents and keep low premiums.
6) Select the right vehicle which is safe and has safety features like airbags, good brakes and four door cars. This will win you a safety discount.
7) Making sure that you do not go for a sports car, will also help in getting cheap auto insurance.
Keeping a low mileage or car pooling wins you a low usages discount.
9) Buying car insurance online gives you additional discount.
10) Some companies offer no smoking discount. Avoid drunk driving at all cost.
These tips will certainly ensure you a low car insurance coverage or a cheap car insurance rate.
Thanks.
Kamlesh