Teen Car Insurance Cost Overland Park Kansas KS

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Reader’s Question:

I will be adding my teen daughter soon under my insurance policy. I know it will be very costly for me as what I heard from my friends. My question is, why do auto insurance rates go up when adding teens? Does this happen everywhere or just here in Overland Park, Kansas?

Celina

Overland Park, KS

Adding a teen under your policy only means one thing – higher premium. And sadly this does not only happen in Overland Park, KS but is happening everywhere.

In general, auto insurance companies set their insurance rates based on the data gathered for teens driving performance. According to studies, teens have more accidents as compared to adult drivers.

Following are the facts regarding teen driving performance gathered by Insurance Institute for Highway Safety (IIHS), Insurance Information Institute (III) and National Highway Traffic Safety Administration (NHTSA):

• Teen drivers fatality rate are higher by four times when compared to drivers between the ages of 25 – 69 years old;
• The rate of insurance claim for teen drivers are higher by two times as compared to adult drivers;
• Vehicle damage losses for teens are more than twice as high as compared to any other age groups;
• 3,490 drivers between ages 16-20 years died in 2006 as a result of car crashes;
• 58% of teen passengers killed in vehicle accidents in 2006 were not wearing seatbelts

Given these statistics, it is without a doubt that teens are high risk to be insured, so it’s understandable that insurance companies will charge you for higher rates if you have added a teen under your policy. You can shop for insurance companies online to compare insurance quotes in Overland Park, Kansas. You can also check online for things that would lower your premium even after adding a teen daughter.

Tags: auto insurance, teen insurance, Young driver car insurance

Teen Automobile Insurance Tallahassee Florida FL

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Reader’s Question:

My daughter is celebrating her birthday and I’ll be buying her first car. I heard from friend that there are cars that are said to be most likely stolen and those that are not. I know that having a car that is likely to be stolen only guarantees a higher premium rate. Since, it’s going to be my daughter’s first car, I’d like to make sure it won’t be stolen and that I won’t be paying more on my premium in Tallahassee, Florida. Can you help me?

Diane

Tallahassee, FL

That’s true. There are cars that are too hot for a theft’s eyes and there are cars that are not. According to a study conducted by Insurance Institute of Highway Safety (from 2003-2005) following are the cars most likely to be stolen or be broken into:

1. Cadillac Escalade
2. Mitsubishi Lancer Evolution
3. Dodge Ram 1500 Quad Cab pickup
4. Ford F-250 and F-350 SuperCrew four-wheel drive pickups (2005s only)
5. Chrysler Sebring (2004, 2005)

On the other hand, if you want to buy your daughter a car that is proven to be least likely to be stolen, I would suggest you consider buying these cars:

1. Ford Taurus station wagon
2. Pontiac Vibe station wagon
3. Buick Le Sabre
4. Buick Park Avenue
5. Toyota Sienna four-wheel drive (2004, 2005)

The type of car is always a factor on your insurance rates. Buying cars that are likely to be stolen or broken into will only assure you of higher premium. Don’t forget to ask your insurance agents when shopping for insurance rates or to get faster information use the Internet and start comparing insurance rates in Tallahassee, FL.

Tags: advice, auto insurance, teen insurance, Young driver car insurance

Teacher Auto Insurance Discount Huntsville Alabama AL

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Reader’s Question:

Things are not getting easier for my family. I’m married to a 56-year-old man who is not earning enough. And having a teen daughter under my insurance policy is just adding up on my financial problems. I am desperate to get tips on how to save on my premium. Is it true that if I belong to a certain profession or group I could avail of car insurance discount in Huntsville, Alabama? I am a teacher by profession.

Lea

Huntsville, AL

I know things are getting tougher nowadays. But you really don’t have to lose hope Lea. There are so many ways which you could get a car insurance discount in Huntsville, Alabama. Let’s take a look at some:

• Teacher’s Discount. I assume that you are a member of National Education Association or any association of state educators, then with this under your name you could get as much as 20% discount.
• Older Drivers. Alabama State Law mandates a 5% discount to any driver who is 55 years old and above and took up defensive driving for a minimum of eight hours. You husband could avail of this discount.
• Young Drivers. New drivers who took up driving classes or defensive courses can get as much as 25% off from their insurance rates. For college or high school students with an average of B or better grades, they can from 15% to 25% discount. If you daughter is getting grades like that, then that’s a big discount on your insurance rates.
• Military Discount. There are certain auto insurance companies that give as much as 15% discount to drivers who are active or retired from military service or a member of the National Guard or Reserves.

There are a lot of ways on how you can save on your insurance rates. Start by shopping online to see the insurance rates in Huntsville, AL. You don’t have to lose hope at all.

Tags: auto insurance, Car insurance discounts, military insurance, teacher insurance discount

Student Automobile Insurance Manhattan New York NY

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Reader’s Question:

I’m an international student studying in Manhattan NY, how do I get insurance for my car?

Clara

Manhattan, NY

First is you need to have an up-to-date international driver`s license so that you’ll be allowed to drive both in your home country and in the US. Many international students have no need for an American driver`s license, so an international one should be okay. Just make sure that it’s good for at least six months after your stay ends for you to be able to get the best car insurance possible.

When you apply for car insurance, bring all paperwork that could be necessary with you. In order to get the best rates, you`ll need proof that you haven`t had an accident in the previous 18-36 months.
You need to look for fixed rates since some car insurance companies will let you sign up for 6 months or 12 months, where your rates will not go up, even if you have an accident during that time.

Car insurance for international students like you might be a little tricky, but if you do some research about which companies will give you a break, even if you haven`t been driving in the States for the past three years, you’ll still be able to get the best rates. The prices and amount of coverage should be reasonable and not hiked up just because you’re only temporarily living in Manhattan NY.

 

Tags: auto insurance, Student car insurance, Young driver car insurance

Automobile Insurance Claims Beaverton, Oregon OR

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Reader’s Question:

In Beaverton, Oregon usually how long does it take for insurance provider pay off a vehicle if it has been stolen?

Dolly

Beaverton, OR

According to the Oregon Insurance Division in their consumer insurance brochure, if you file an insurance claim, you have a right to be notified of the process to be used to settle your car insurance claim and the progress of your insurance claim. Automobile insurance carriers must respond to insurance claim communications within thirty days. They must complete a reasonable investigation of a auto insurance claim within forty five days, unless they can justify additional time is needed.

During the insurance claim process you must cooperate with the insurance company’s reasonable investigation of your insurance claim. If you fail to cooperate this may result in a delay in payment or even the insurance carrier denying your insurance claim.

With a stolen vehicle that is not recovered an insurance company will want to do a thorough investigation so it may take up to forty five day limit and even longer if they can justify using extra time for their investigation into how the vehicle was stolen, etc. Insurance carriers generally do try to pay claims in a reasonable and prompt amount of time.

If you want to get more information about your consumer rights with regards to a comprehensive auto insurance claim for a total loss due to your car being stolen in Beaverton, Oregon you may contact the Oregon Insurance Division directly. To verify if your insurance carrier has any time limits with regards to insurance claims beyond the Oregon state laws, read over your car insurance policy and check with both your insurance agent and the insurance claims adjuster working on your insurance claim.

 

Tags: auto insurance claims, car insurance

 

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Driving Without Auto Insurance Lawton, Oklahoma OK

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Reader’s Question:

My 16 year old daughter was pulled over in Lawton, Oklahoma and got a ticket for driving the car with no proof of insurance. The vehicle belonged to someone else. Are we responsible for the traffic ticket and will this affect our car insurance?

Lory

Lawton, OK

According to the Oklahoma driver’s manual the Oklahoma has strict laws about having valid car liability insurance. All OK motorist and/or car owners are required by law to carry the minimum limits of liability for this state.

Whether this type of citation on your daughter’s driving history will affect your insurance premium rate is up to the rating system that your insurance company has in place. Driving uninsured is usually a major violation but since the vehicle your daughter was driving in without car insurance was not a vehicle that she would normally have insurance on since it was not owned by her and she did not have insurable interest on it then your insurance carrier may consider it to be minor. Your car insurance agent could inform you about your insurance carrier’s rating system and if your daughter’s ticket will affect your car insurance rates in any way.

To obtain more information on OK insurance law you can contact the OK Department of Public Safety or OK Insurance Department. The Oklahoma Insurance Department may also be able to inform you more about your insurance carrier’s rating system since their car insurance rates must be filed with this state agency.

 

Tags: auto insurance, Car Insurance Company, teen insurance

Teen Auto Insurance Discounts Appleton Wisconsin WI

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Reader’s Question:

I am 18 years old and currently under the coverage of my parent’s insurance policy. They want to move to Illinois but I will be staying in Appleton Wisconsin. My question is, is it possible for me to stay on their insurance but to not live in the same household as them? I own my car and can’t afford to have my own insurance as of now.

Patrick

Appleton, WI

Once your parents move out of state and you chose to stay, it is not likely that your parents will be able to continue to have you and your car on their insurance policy. A problem may arise regarding the difference between Illinois’s insurance liability requirements to that of Wisconsin’s. Most insurance carriers will not cover a person and car that is not part of the insurer’s household. Most likely, an insurance company will not permit you or your car to be covered on your parent’s policy once they move, especially to another state since your car will not be garaged at the address of your parents.

Wisconsin has a financial responsibility law that applies to any motorist licensed to drive. Purchasing insurance for a vehicle is the easiest and most often used method of meeting the FR mandates. The minimum liability limits set by the state is 25/50/10; these numbers represent the allocations of an auto insurance coverage: $25,000 for one person in one accident injury or death; $50,000 for injury or death of 2 or more people in one incident; and $10,000 for property damage caused in one accident.

You will need to obtain your own car insurance policy for your motor vehicle if your parents move to Illinois and you remain in Wisconsin. You are likely to face expensive premium rates due to being an inexperience driver who is considered to be at a higher risk to road accidents. You can check ways to reduce the insurance premiums you will need to pay. One way is looking for discounts due to safety features on your car. Another way is by taking a driver improvement or safety course. Some insurers lower rates if you take courses from approved traffic schools. Also, if you’re in school and maintain good grades, some insurers give good student discounts.

 

Tags: Car insurance discounts, Student car insurance, teen insurance, Young driver car insurance

Cheap Beginners Car Insurance Medford Oregon OR

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Reader’s Question:

My son is graduating from high school and I’m thinking of giving him a new car as his graduation gift. But, I don’t know what I should consider in getting cheap car insurance for him in Medford. I’m hoping someone can help me with this. Thanks!

Caitlin

Medford, OR

Hi Caitlin! I was once in your position. When my eldest son turned 17 all I could hear from him was for me to buy him a new car. Good thing I have an uncle who’s a car insurance agent here in Eugene, OR, who just taught me important things that I need to consider. Here are just some:

1. Careless Driving means higher premium payments. So, it’s important for your son to observe traffic laws at all times. It is a fact that clean driving record will always be awarded with lower premium payments so who needs speeding tickets under your son’s belt?

2. Discipline is the key. As a new driver, there are some license restrictions that your son must follow like daylight driving and zero alcohol restrictions.

3. More safety features means less accident. So if you’re shopping for a car it is essential to consider the car’s safety features.

4. Always get a stand alone policy. This kind of policy means that that your son is not considered as an additional driver in your insurance so he is solely responsible for his own insurance. There are car insurances that specialize in teen insurance that you can purchase.

5. Make sure to get car insurance with a greater deductible. Higher deductible means lower premium.

As a mother myself, I would say that teaching your son on being responsible would always be the best thing I can suggest. It’s always important that we make them accountable for their own actions. You can start by making them pay a part of their insurance. That always works.

Tags: auto insurance, Beginner car insurance, Car insurance discounts, teen insurance, Young driver car insurance

Student Car Insurance Discount LA California CA

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Reader’s Question:

My friend from University of California told me that he is getting great benefit for car insurance coverage as visiting scholar, can you tell me more about it?

Oliver

Los Angeles, CA

California Casualty and the University of California have a contract that greatly benefits visiting scholars and post-doctoral fellow. Because most car insurance companies do not offer car insurance to drivers with no US driving experience, California Casualty offers car insurance coverage to University employees without a California driver’s license (but only has an international or country license). This coverage guarantees a 12 month rate. This means that they will not change your friend’s insurance rate for a whole year, even if he gets in to an accident. Most car insurance companies have a month-to-month rate or 6 month guaranteed rate.

If your friend does not have experience driving in the United States, his insurance will be higher than the average. However, if he has more than one car, your friend will receive a multiple-car discount. This means that the car insurance for two vehicles in the same household will be cheaper than two separate policies. University of California, Los Angeles/lab employees can also register up for a payroll reduction service (automatically pays for the car insurance as a deduction from their paycheck before they receive it). In addition, there is no charge to cancel the policy before their contract is up, they will be refunded the difference.

 

Tags: Car insurance discounts, Student car insurance, teen insurance, Young driver car insurance

What is an SR22

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Reader question:

What is an SR22 for teens?

Grace

Great question, Grace.

An SR22 is what, for teens, will allow them to get their driver’s license reinstated by the Department of Motor Vehicles (or Public Transportation, or whatever it is called in your state–the place where you go to get driver’s licenses) after it has been suspended for such violations as drinking and driving, driving without insurance, accruing too many points from traffic tickets, and so on.

Teen insurance cost a pretty penny, so an SR22 is what will really put you over the edge in terms of cost. That is why you should make you sure you get your teenager the right kind of car.

The right kind of car for a cheap teen insurance policy is one that is not too small or too big, but just in the middle. It’s at least a few years old; new enough to have safety features, old enough to be inexpensive, basically. It does well on safety crash tests. It has plenty of airbags. It is a sensible car, not a sports car.

Once you buy your teen, or have them buy, the right car, you also have to make sure they are listed correctly on the policy. Be sure to specify that your teen is the main driver of that car, because if you don’t the insurer will put them with the most dangerous and expensive car, making your rates shoot up.

Cheers,

Fashun Guadarrama.

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