Steve Iser :I want to have a sports car? Will I be categorize as high risk. How can I lover my risk since I am also a teenager.

Cheap car insurance for young drivers, teenagers for sports car. Response : Even if you have a clean driving record, and have never broken any traffic laws, they would still consider you as high risk just because of your sports car. You have a second reason for being categorised as high risk since you are a young driver. Is this fair? Nothing is fair when you see your high risk auto insurance rates increasing continuously and there seems to be no other way of getting around it. Fortunately, there are still ways to lower them and enjoy your auto policy or coverage just like any other car or vehicle owner. Here are some of these reminders:
1.Search for a company or provider that specializes in high risk auto insurance or speciality insurances. There are several insurers which understand your situation as a high risk driver and offer cheaper auto policies than usual companies do. When you get insurance make sure that they offer specialized packages for you to save a few hundred dollars on monthly premiums. However, looking for such companies is a little difficult, good thing the Internet is there to provide assistance. Using quoting and comparison websites, you can contact them and evaluate whether they would be the best insurer for you.
2.Join a sports car organization or club. Most insurance companies offer great discounts to clients that are members of popular and recognized sports car clubs or organizations. Other associations such as employee groups and labor organizations may also be recognized by insurers. Even the mere possession of credit cards issued by well-known banks can give you surprising offers. Try them now.
3.Do not forget to ask for discounts. If you want to save a lot of money in your high risk auto insurance, always ask for discounts where you may be qualified. They will never know what you need unless you inform them. Some factors that are usually eligible for discounts include low mileage, safety features, defensive driving courses and anti-theft devices.
4.Purchase multiple policies from one company. If you need other kinds of insurance such as home, health, or life insurance, try to purchase them together with your auto policy from the same insurer. Aside from saving a substantial amount of money, you also get to pay your bills easier.
Cheap high risk auto insurance is available in the market. Shop online and look up for a quote at teenautoinsquote.com You will not be dissapppointed.
Thanks.
Kamlesh

Tony Robins: Thanks for your sports car insurance tips. I know that sports car are expensive to insurer and teen auto insurance rates are high, but I was just curious to know which are the most expensive cars to insure other than sports cars ?

Response: Yes, you are right on the first count of teen auto insurance and sports cars being expensive to insure. A very interesting questions. Let me tell you that in USA two factors influence the cost of auto insurance are the size which is reffered to as the power of the engine, and the way the car will be driven. This means that sports cars, with their high horsepower, are more expensive to insure than the tiniest Toyota. This is because of the higher price tags that the sports car have, which makes auto insurance very expensive for the sports cars.

Every year, organizations like the Insurance Institute for Highway safety, and companies like Insure.com compile and analyze data from consumers and individual insurers around the country, in order to provide the public with information like which cars are cheapest to own, or safest to drive. These cars are most expensive to insure mainly because their parts are either expensive to replace and secondly their repair cost are higher. Except the sports cars the most expensive cars to insure are given below:

Vehicle MSRP Average Cost of Insurance
Nissan GT-R $79,090 $2,533
Dodge Viper SRT-10 $88,590 $2,446
BMW M6 $102,100 $2,236
Ford Shelby GT500 $43,125 $2,186
Mercedes G-Class $100,250 $2,088

This information will prove very valuable, if cost matter to you so that you can take the right decision before you buy a car. Remember that you can always get cheaper teen auto and cheaper car insurance quotes by looking for the auto discounts and opting for the right coverages.

Cost of auto insurance would not and will not deter teenagers and their parents giving them the gift of a sports car and enjoying the sports cars, the most important factor other than insurance is the teenagers safety.

Tony Robinns: Christmas is round the corner and my sons birthday is in December. I want him to buy a sports car – a Ford Mustang or a Ferrari or a Lamborghin. Someone was telling me that the teen auto insurance quotes for sports car is very high. Is it true and any tips would be appreciated.

Response: Tony, I am glad that you are thinking of gifting a sports car to your son. A Ferrari seems to be a handsome choice. Well, teen auto insurance quotes and car insurance rates are very high for any car. When you are gifting the sports car, I know that you are prepared for a high car insurance premium. This is a reality and no one can claim that they can get cheap rates with a combination of a teenager and a sports car since both are perceived as high risk by the auto insurance or car insurance companies.

Now without wasting much of your time, here are a few tips which can help you in getting a good auto insurance rate for the Ferrari.
1) Ensure that your son has a good credit rating and maintains this, since auto insurance rates are linked with credit.
2) Your teen’s driving record is very important. A clean driving record will go a long way in saving auto insurance premium even for sports cars. Talk to him and ask him to stay away from drunk driving, agreessive driving and distractions.
3) Shop around for the best insurance rates since a little bit of research will certainly go a long way. Each insurance company differs in their rating philosphy and so you can certainly find a good insurance quote by comparing the auto insurance quotes.
4) Review the auto insurance coverages and go for right car insurance coverages . The optimum limits and the optimum coverage should be the focus, since getting something good and befitting is the aim here.
5) Go for the speciality insurance companies since they offer better rates for higher risk.

I know your focus is getting the right auto insurance policy rather than cheap auto insurance policy and this will not be a big deal.
Enjoy your rides with your teenager! Have the thrill, speed and pleasure when the risk is passed on to the auto insurer.

Thanks.