Tuesday, June 15th, 2010 at
9:32 pm
Tiger Woods : Should teens drive only old cars to get cheap teen auto insurances?
Teen auto insurance and ways to get cheap car insurance
< H1> Do you get cheap teen auto insurances for old cars only?
Response : There are two sides to old cars, good driving habits is the key to cheap car insurance or cheap teen auto insurance.
Normally the parents prefer to give their teens old cars since this way they can get cheap teen auto insurance since only liability is covered on the vehicle and secondly the chances of accidents are higher for this age group and so even it an accident occurs than the financial loss is not much higher. It is mostly up to parents and a lot of factors like their affordablity for one.
Trade offs for getting cheap teen auto insurances
But note the tradeoffs here. While a 1990 Buick LeSabre wagon might have a good amount of sheet metal to crumple in a crash, it won’t have current safety features such as frontal and side airbags. It won’t have the latest in crash avoidance features such as anti-lock brakes (ABS) or electronic stability control, either.
And note that if a teen takes driver-training classes on more modern vehicles, he may need to learn new skills before settling behind the wheel of an older model car. For example, teens often learn to drive in vehicles that are equipped with ABS. The panic-braking procedures in a new car with ABS are different than what a driver should do during a panic stop in a car without ABS. Make sure your teenager has learned the most effective use of the brakes on the car being driven.
However, if affordability is not an issue, than it would be okay if the teens drive new vehicles since they would be more safe and have most of the safety features and hence the safety of the teenager is ensured. The key to this is the driving habits that you can instill in your teenager would go a long way in making sure that the teenager is driving responsible, this will surely earn you cheap teen auto insurances.
Timing Is Everything for getting cheap teen auto insurances
Check with insurers as your teen approaches driving age to be sure you know when your teen will need to begin coverage. Is it when the teen receives a driving permit or after obtaining a full-fledged license?
Check out the teen auto insurance quotes and get your cheap car insurance qutoe for free.
Good luck.
Kamlesh
Monday, December 7th, 2009 at
9:51 pm
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
Tuesday, October 27th, 2009 at
8:31 pm
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!
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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Monday, October 12th, 2009 at
9:09 pm
teen auto insurance- auto accident
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.
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