Christina : I am a 17 year old girl and I would like to know how much is a teen auto insurance quote at present? How can I get cheap car insurance rates?

Teen auto insurance

Response : Frankly Christina with the present information that you have given it would be difficult to tell you excatly how much it would cost you to get a teen auto insurance quote. However, let me tell you that at present in USA as per the Bureau of Labor Statistics shows a general rise in rates over the last 12 months by about 5 percent. He attributed the rise to cost increases in areas that auto insurance would have to pay for. Presently Louisiana is the most expensive for car insurance rates and Maine has the cheapest car insurance rates.

Now, please note that the car insurance rate is not dependent upon one factor but is based on the vehicle you driver and the geographical area you reside, to which loadings of your driving record, age factors, credit rating, number of drivers, limits of coverage is applied. Discounts are given mainly for deductibles and car safety, good grades discounts for teen drivers and other discounts.

In order to get cheap car insurance discount or a good teen auto insurance quote besides all the other factors and discounts that you can get, presently you have the system of Pay as you drive (PAYD) products rate insureds based on miles driven, usually as measured by a telemetry device. The devices can measure other factors as well, such as how an insured accelerates and brakes, how fast an insured drives, where an insured drives, and at what time of day the vehicle is driven. this might be one of the best ways to ensure that you get a cheap car insurance rates or the best teen auto insurance quotes since normally the use of the car would be restircted for you and if you are driving less miles, this would ensure huge savings for you.

The best way would be compare and check out teen auto insurance quotes at www.teenautoinsquote.com and start saving today.

Thanks.
Kamlesh

John Tesh : As a young driver and teenager I want to get best teen auto insurance quotes and cheap car insurance rates, I am told this is not possible? Any support on this would be welcomed.

Teen auto insurance quotes can be overpowered to get cheap car insurance

Response : The general insurance companies try to base their rates on statistics and data, however unfortunately in order to have a rating matrix which can be easily implemented they also have to group the risk into a category. Unfortunately based on their irresponsibility, lack of experience the under 21, young drivers or teenagers are grouped into the teen auto insurance quotes category which is high risk which makes it a challenging to get cheap car insurance for this category.

There are always ways of getting cheap car insurance even for this age group. Teen auto insurance quotes can be overpowered and for this you need to get yourself out of this category or lower your auto insurance rate.

Here are ways that you can do this for yourself or for your teenager :
1. Compare teen auto insurance quotes online and find out some of the general insurance companies which are giving you the lowest possible rating.
2. Note the auto insurance discounts that are being offered by the general auto insurance companies which can give you a cheaper car insurance rate and cheap car insurance.
3. Take all the necessary steps to get a good driving record by obeying the rules of the road, staying away from distraction and being an alert driver. However, this may be difficult in the initial stage and you will have to wait for some time also before your driving history is established.
4. Start graduated driving lessons. This is a sure way of sending a message to the insurance company that you are willing to learn and they would give you a discount on your teen auto insurance quote giving you a chance for cheap car insurance.
5. Get all the safety features installed in your vehicle like air bags, safety brakes, alarm so that you get additional discounts for having these safety features.
6. The biggest weapon in your hands for inexpensive teen auto insurance quotes is your grades. If you have good grades the general auto insurance companies consider you as responsible and therefore a good risk. This will give you higher discounts and cheap car insurance rates or cheap car insurance quotes.
7. Last but least keep the usage of your car as restricted as possible. This will give you a low mileage discount.

Once you have your good driving history in your favor and to boost upon you would have carved your way to getting the best teen auto insurance quotes and cheap car insurance for life, since driving is a skill which you will master. Teen safety and teen auto insurance quotes both are won the easy way.

Denise Wakeman : How does graduated licensing help in getting cheap car insurance for young drivers? What is the penalty and number of demerit points awarded if the teenagers or teen or young drivers indulge into night dirving?

Graduated licensing helps in getting cheap car insurance for young drivers or cheap teen auto insurance quotes.

Response : The laws that have been enacted to prevent the auto accidents have really proved to be for the benefit of the teenager, especially the dirvers between the age of 15-17 and have gone a long way in reducing and getting them cheap car insurance over a period of time.

Graduated licenising has been a leading reason for having the teenager really learn the motoring skills and have drastically brought down the rates of accidents. Since over these years the number of injuries and fatalities have decreased since this law was implemented the general auto insurance have faced less expenses, which have given cheap teen auto insurance rates.

It has been observed that where the laws were rated good had 30 percent lower fatal crash rates among 15-17 year-olds have reduced. Where the graduated Laws were rated fair yielded fatal crash rates 11 percent lower.

Secondly it was also observed that where the longer the permit age was delayed, or the longer the licensing age was delayed, the lower the estimated fatal crash rates among 15-17 year-olds.

Thirdly, the stronger nighttime restrictions were associated with larger reductions, and reductions were larger for laws limiting teenage passengers to zero or one than laws allowing two or more teenage passengers or laws without passenger restrictions.

After the effects of any related delay in licensure were accounted for, an increase in the minimum learner’s permit holding period showed no effect on fatal crash rates. An increase in required practice driving hours did not appear to have an independent effect on fatal crash rates.

It has been concluded that graduated licensing laws that include strong nighttime and passenger restrictions and laws that delay the learner’s permit age and licensing age are highly effective strategies for reducing teenage fatal crashes. States that adopt such laws can expect to achieve substantial reductions in crash deaths.

The number of demerits points for night driving are about 1 for restrictions over a period of 1 year.

It would be best to talk to your teen or young driver and explain them the advantages of the graduated licensing. You might be suprised but they are the one’s who are following most of the regulations and laws in schools and at home, they wl certainly think about their own safety and security and most importantly getting cheap car insurance or cheap teen auto insurance quotes.

Thanks.
Kamlesh

Jon Sturgatt : Utah : Can I lend my car to my teenage son who is just 16? What if he meets with an accident?

Teen auto insurance

Response : If you lend a car to your teenage son who is a minor and does not have a license than you would defintely be resposible. Yes, if he meets with an accident than you would be responsible as an adult and the insurance company would not pay.

However, with the as per the latest news as of February 9th there has been a pair of bills that has been advanced in a Seneate committtee. As per the bill the parents or adults liablity for loaning a car to a minor who crashes into some one else. Till now the insurance companies were not paying for the claims and where dragging the investigations, but now as per the bill SB70 and SB62. For more details you can go to
Salt Lake Tribune

Also the parents would not be spare if they loan the car to a person known to be impaired or otherwise especially risky on the roads.

My personal advice would be not to lend a car to the minor unless you have already named him or her as a driver of your car. This way he or she would be insured. Yes, the premium might be high but there are ways of obtaining cheap auto insurance or cheap car insurance which you can see here.
Thanks.
Kamlesh.

Andrea : I am a young driver and do you have any ideas of how to get cheap car insurance rates for young drivers ? I know that we fall in the high risk class.

Response : Andrea, I would like to give you the basic five tips for getting the cheap car insurance rates for young drivers. :

1) Slow down. Young drivers who have had accidents or serious traffic violations usually pay more than those with clean driving records, so consider safe driving a financial investment. Some insurance companies offer as high as 20% discount on good driving records.
2) Buy the right car. A car’s value, age, safety record and repair costs, as well as the likelihood that it could get stolen, all help determine insurance premiums. Please check the article on top safety for 2010 which contains a list of cars which are safe for young drivers. These cars will certainly carry cheap car insurance rate for young drivers. Also rember that imporving your present car and adding anti-lock brakes will save 10 percent, you can save another 10 percent with airbags or motorized seat belts.
3) Drive less mileage : Young drivers or teens auto insurance is normally high though they do not drive a car more frequently since they are usually studying. As per the new programs of Pay as you go the less you drive the more discount you get.
4) Insure your property and car with the same insurer. Most companies offer atleast 10% discount if you insure multipule coverages with the same insurer. You will save on both your auto insurance and home insurance policy.
5) Study hard. In most states, full-time students who meet GPA requirements could save on auto insurance premiums with a discount of 10-20 percent.
Here is a tip, the maximum discounts that would be allowed on your auto insurance policy will not be more than 45-50% since this is the maximum allowed by insurance companies. Besides this, each insurance company will have a minum premium requirement below which they will not quote.

Try these tips and let me know how much you save.
Happy hols, enjoy your holidays with cheap car insurance rates.

Kamlesh