As a guardian or parent, it is normal to feel scared when you’re teen starts talking about obtaining a driver’s license. This step is an important one when it comes to them gaining independence. Whether you like it or not, they will eventually get behind the wheel of the car and begin to drive. Since students are new drivers and have no history they are sometime difficult to insure. According to some, students are more likely to be distracted while driving and have a higher risk of accidents.
How do you find car insurance covering students?
This answer may not be as hard as you think. Insuring students is often easy if a parent or guardian is already insured. You will want to make a call to your agent to see if you are able to add the new driver to your policy. Be sure to let them know if there is also a new car to insure or if the student is driving a car that is already on the policy. Keep in mind that coverage for students may have good and bad points. If your student is on the honor roll, has good grades and driving a car with additional safety features he or she may be eligible for discounts.
There are some things you can do to reduce auto insurance quotes for your student.
If there is any driving history makes sure that it is clean. No accidents or tickets regardless of whose car was being driven will ensure that you are offered the best rates on insurance.
Ask for a policy with a higher deductible to get the cheapest rate. If you don’t mind paying more out of pocket in the event of an accident, ask about increasing your deductible. Higher deductible usually means that the insurance company is able to offer you cheaper rates because you are agreeing to pay the bulk of the cost out of pocket for repairs or medical costs leaving less of a claim chance on the insurance company,
A safe and reliable car that will teach them to drive well, not fast. It would be more helpful and valuable to give your child a car that has great safety and security features.
Let them get their own policy. There is no reason why your student has to go on your policy if they meet the requirements to have one of their own. If may make them more responsible for their actions if they are required to pay for the policy themselves.
Allowing your student to be involved in the auto insurance quotes process will certainly teach them how to obtain insurance and also where they can apply the best features to reduce their rates. If rates can be reduced further by grades and safe driving, then consistent follow up with your agent can afford deeper discounts on auto insurance quotes over several years.
If you’re shopping around for auto insurance quotes, chances are you’ve learned a few things. You know there are lots of steps you can take to lower your rate. Never being in an accident certainly helps, so you always drive carefully. You trust yourself as a driver, so you want a policy with a high deductible. You picked a “low risk” car with a lot of safety features, like antilock breaks and airbags. You even started walking to work so you can get a low-mileage discount. In short: you know your stuff!
Unfortunately, there are some things working against you that you can’t control. Your age and gender can both increase (or decrease) your rate, as can the number of years you’ve been behind the wheel. And unless you’re looking to move, you location is also on the “can’t control” list. Where you live has a significant impact on how much you pay for car insurance. If you’re in a suburban or rural area, your rates will likely be lower. If you’re in the city, you will pay more for insurance. This is true of most urban areas, but some cities are more expensive than others. Here a few of America’s most expensive cities for auto insurance.
Detroit, MI. In 2011, the average car insurance premium rate was almost $6,000 in Detroit. This is partly due to the state’s no-fault insurance system, and partly due to the high vehicle population.
Philadelphia, PA. In 2011, the average car insurance premium rate was just over $4,000 in Philadelphia. This is due to a high vehicle population and overcrowded streets.
New Orleans, LA. In 2011, the average car insurance premium rate was almost $3,600 in New Orleans. The reason for the astronomical insurance rate is a little different in this city; it’s due to judicial ruling. In the state of Louisiana, claims are settled out of court unless they total over $50,000.
Miami, FL. In 2011, the average car insurance premium rate was almost $3,400 in Miami. This is partly due to a high number of fraudulent claims, and partly due to the state’s no-fault auto insurance system.
Newark, NJ. In 2011, the average car insurance premium rate was almost $2,900. This is primarily due to the state’s no-fault insurance system.
Of course, this works in reverse, too. Just as some cities have astronomically high rates, other areas are lucky to have extremely low rates. When shopping around for auto insurance quotes, you’ll find the best prices in Bullhead City, AZ; Chloride, AZ; Oatman, AZ; Pine Point, ME and West Scarborough, ME. All of these cities have average premium rates between $730 and $735.
People tend to be more unhappy in the winter. Early sunsets, cold weather and grey days all take their toll, and the inevitable slip-and-fall on the ice can ruin even the best of days. And it certainly doesn’t help when you add a car accident to the mix.
Yes, auto accidents are far more common in the winter months, due in large part to poor visibility and slippery roads. As if that weren’t enough to deal with, there’s the increased risk of damage being done to your car even when you’re tucked away inside, enjoying a cup of apple cider by the fire. Weather is unpredictable, and a blizzard or hurricane can cause significant damage to your vehicle within seconds. So if that happens to you, what happens to your insurance?
Well, there’s good news and bad news. The good news is, your premium is unlikely to go up due to a natural disaster at least not the first time. Weather damage is included in your comprehensive insurance, along with theft or damage done by animals. Most insurance companies won’t punish you for filing your first comprehensive claim. After four or five claims, though, you may start to see higher auto insurance quotes.
The bad news is, if you live in an area prone to bad weather, chances are you’re already paying for potential damages. If you frequently see hurricanes, blizzards, high winds or flooding, your insurance company already knows and is prepared for it. How do they prepare for it? By charging you extra.
Where you live always impacts how much you pay for insurance. In general, auto insurance quotes are higher for people living in urban areas. This is because a greater population means a greater accident risk, and because it is far more likely that you will be the victim of theft or vandalism. But, being in an urban or rural area isn’t the only factor. If your area often sees bad weather, you are paying for it with a higher insurance premium.
No matter how careful of a driver you are, there are some factors affecting your auto insurance that you can’t control. Your age and gender are probably the most well known, but the weather also holds a prominent position on that list. Even if your car is never the victim of a knocked over tree, you will pay more just in case it happens someday. Of course, this can also work in your favor if you are the one whose car got crushed during the last big storm. A damaged vehicle is never fun, and the hassle that follows can be exhausting. Fortunately, you don’t have to worry about increased auto insurance quotes on top of everything else.