Posts Tagged ‘Teen Driver’
I’m 16, turning 17 this year living in Houston, TX
I have had my license since August of 2009 and Insurance twice from August to November I think, and from January I believe, until now.
I never had any accident, finished Driver’s Ed., and have 3.6 GPA.
I’m getting my own car now, and I’m looking for low price car with good reliability and low insurance cost. Which car and which insurance company would be the best for me? I’m looking for something cool, sporty. I can drive manual.
For whatever reason, every insurance company has a different matrix for their pricing, so if one company, say, Geico, is cheapest for a Nissan Sentra, another company like State Farm might be cheaper for the exact same driver, living in the same place, with a honda civic. Ultimately, shop around for the car, look for something a few years old, they will be cheaper to insure and buy, and then after you buy the car, shop around for auto insurance to see who gives the best rates. I don’t know how Texas is, but in Colorado, the GPA didn’t help with insurance for the company I went through in high school, so that’s something to ask about too. If you had a price range, it would be easier to answer this question, as far as what to look for. Also, generally speaking, something that is cool and sporty often has higher insurance rates than something that, well, isn’t. Also, get an idea of what fits your lifestyle. Do you have a lot of friends who would ride with you? If so, don’t look at a 2 seat or even a 2 door car, a 4 door will be more practical. It sucks after a while when you have to get up out of your own car to drop a couple friends off.
Family auto insurance is a blanket term for auto insurance that protects all members of your family. If you have teenagers in your family, you know how much your insurance can increase when you add a teen driver. When you add young drivers to your family insurance policy, it becomes more important than ever to find the best rate.
Keeping Your Rate Low
To help keep the rate on your family auto insurance as low as possible, follow these tips:
* Enroll your son or daughter in a driver’s education course and in a defensive driving class. Insurance companies usually offer discounts for teen drivers who have completed these types of classes.
* Encourage good grades. Most insurance companies offer discounts to good students, meaning students with a B or better average.
* Consider getting your son or daughter a separate policy rather than adding him or her to your policy. If your child drives an older car and never drives your car, this step could save you money.
* Avoid buying your child a sporty new car or a sports utility vehicle. Opt for a safe and sturdy older model vehicle to save money on your insurance.
You also need to notify your insurance company if your child leaves home for college. Your family auto insurance policy usually covers a car that your child takes to college, as long as the parent is the registered owner. But depending on where the college is, your insurance rates could increase or decrease.
If your child is going to college in another state, you also need to make sure that your insurance coverage meets the minimum insurance requirements in that state.
The Internet Can Help
As you search for the best rate on family auto insurance, be sure to check out insurance comparison websites. On these sites you can get fast and accurate quotes from multiple A-rated insurance companies.
The best auto insurance comparison websites also offer answers to your family auto insurance questions by allowing you to talk online or by phone with insurance professionals. (See link below.)
Visit http://www.LowerRateQuotes.com or click on the following link to get family auto insurance quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.
ryan@thesatellitetvguide.com
http://www.articlesbase.com/insurance-articles/family-auto-insurance-how-to-get-the-best-rate-177087.html
I currently have Liberty Mutual.
see this http://gsx1.com/InsuranceComparison.html it’s one form to get a number of quotes from different insurers. It’s free and a big time saver, these are all the main American insurers competing to get your business so you are bound to find something that suits you, if it works out remember my points please 