Auto & Car Insurance Articles, Topics on Autos and Auto Related Information » Teenage Driver Insurance

Back to School Car Insurance Rate Search

AutoCareInsurance.com — Tue, 18 Aug 2009 16:46:01 +0000

Back to school means shopping for clothes, backpacks, pencils and protractors. But did you know it’s a great time to shop for teen driver insurance rates? If your teenager is just beginning to drive, or has had his license for a year or two, back to school time is a perfect time to shop for better rates for your teen, and the whole family.

Insurance companies want you to compare rates. It’s why many of them offer comparison quotes, sometimes right on their web site. Rates can vary drastically, so it pays to shop around. A reliable and honest insurance agent can help you compare rates, but sometimes they only represent a few companies, so they can’t offer you a comprehensive comparison.

Teenage Driver Insurance Quotes

Of course, it is not economical to find a low insurance rate only to have the insurance company give you the run -around when you need to file a claim. That’s why the insurance industry has a rating system. Check for good marks and low rates. You can find reviews of companies online.

It’s important to get all the discounts you can when paying for insurance. Your teen should maintain a B average for a good student discount. The company will look at the previous semester’s grades, so keep this in mind if your student will be getting her license during the following semester.

Back to school shopping should include a review of your car insurance rates to make the year easier financially. Raising kids is expensive enough.

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Tips for Making Your Teen a Safe Driver

AutoCareInsurance — Fri, 17 Apr 2009 15:27:53 +0000

Are you feeling a bit nervous about your teenager getting behind the wheel? If you are like most parents, the thought of your child starting to drive can be a nerve-wracking experience – and for good reason. The unfortunate reality is that thousands of teenagers are involved in traffic-related accidents every year, many of which are fatal. Therefore, in order to keep your teenager as safe as possible while on the road, there are several things you should keep in mind.

Be a Positive Role Model

Whether you realize it or not, you are a role model to your teen driver. He or she will learn a great deal by watching you and how you handle yourself on the road, so be certain to obey traffic laws and to squelch the road rage while driving. You should also be diligent about wearing your seatbelt and be insistent that your teen does the same.

Provide Supervised Opportunities for Experience

As your teen learns to drive, it is important for you to take an active role in the experience. Make it a point to ride with your teen as he or she drives in a variety of different situation, including heavy traffic conditions and inclement conditions. You should also put your teen driver in various situations that will further test his or her driving skills, such as driving at night, driving in an urban setting and driving in a rural setting. Ideally, you should provide your teen with at least six months of supervised driving experience before you let him or her go alone.

Place Restrictions on Driving

In order to keep your teen safe, you should also put certain driving restrictions in place. For example, even if your state doesn’t require it, you should place restrictions on the number of passengers your teen driver can have. Not only do passengers cause a distraction, but teen drivers also tend to take more risks when they are carrying other teenage passengers.

Restrictions should also be placed on cell phone use. Some states and municipalities have laws against using cell phones while driving, but you should place your own restrictions on their use whether it is against the law or not. Make it clear that cell phones are meant for emergencies only and shouldn’t be used while driving.

Finally, restrict how frequently your teen drives during the nighttime hours. According to statistics, the majority of teen auto accidents take place between 9:00 pm and midnight. To prevent your teen from becoming a statistic, restrict driving to daytime hours while he or she learns how to drive and then gradually allow nighttime driving as your teen becomes a more experienced driver.

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Get Peace of Mind with Emergency Road Service Coverage

AutoCareInsurance — Thu, 02 Apr 2009 15:24:31 +0000

As you explore your auto insurance policy options, one add-on that you might consider including with your policy is emergency road service. With this coverage in place, you can enjoy extra peace of mind in knowing that you will receive the assistance you need if you experience a breakdown or other problem that leaves you stranded. In addition, by adding the coverage to your auto insurance policy, you may actually be able to obtain this benefit at a much lower price than it would cost to join a motor club that provide similar service.

What is Emergency Road Service Coverage?

The exact terms of your emergency road service will vary according to your individual policy and the insurance company you choose to work with. Nonetheless, most emergency road service policies offer assistance in all of the following situations:

Getting locked out of your vehicle
Needing a dead battery to be jumped
Getting a flat tire changed
Towing the vehicle to a service facility for repairs

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In short, these policies are designed to help you with those little mishaps that sometimes take place on the road and to get you back on the road as quickly as possible. By providing 24-hour assistance to policyholders and by forming relationships with thousands of service facilities around the country, insurance companies are able to make it quite convenient to get the assistance needed.

Is Emergency Road Service Coverage Right for Me?

Whether or not emergency road service coverage is right for you is a personal decision that involves taking a closer look at your finances and driving patterns. In most cases, you can purchase this coverage for less than $15 per year per vehicle. So, since the cost is minimal, most people find it worthwhile to add the coverage to their policies.

Before adding emergency road service coverage to your policy, however, be certain to learn more about what the coverage has to offer. For example, find out whether or not there are restrictions regarding where you can take your vehicle to get serviced and confirm that the service is available 24 hours per day, 365 days per year.

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Protecting Your College Student with Car Insurance and More

AutoCareInsurance.com — Tue, 17 Mar 2009 17:01:57 +0000

If you have a college student that is getting ready to head off to school, there are several things you need to do in order to make certain he or she is prepared.? In addition to purchasing school supplies and getting housing set up, you also need to be certain you have car insurance in place and that you have taken steps to make certain your student’s car is safe and that you have taken care of other vehicle essentials.

Taking Care of Essentials?

While there are numerous vehicle essentials that will need to be addressed, obtaining car insurance will certainly be at the top of the list.? If your student will be staying on campus and won’t actually be taking a vehicle to school, you may be able to receive a “Distant Student” discount from your car insurance company.? If your student will be taking a vehicle, on the other hand, make certain your car insurance company is aware that the vehicle will be housed somewhere else.? This could make your car insurance rates either increase or decrease, depending upon where the vehicle will be located.? Either way, notifying your car insurance company about the change will ensure you receive benefits if you have to file a claim.

In addition to making certain car insurance is in place, you will also need to check into how parking is handled at the college your student will be attending.? More than likely, you will need to purchase a parking pass in order to park on campus.? You should also review safe parking procedures with your student, such as always parking under a light and avoiding overgrown areas, in order to make certain they reduce their risks of being harmed.

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Preparing the Vehicle?

Aside from essentials such as car insurance and parking passes, you will also need to make certain your college student’s car is in proper working order.? Before sending him or her off to school, be sure to perform a thorough check of the vehicle in order to make certain it is in proper working order.? Check the oil level, make certain the tires are inflated and check all of the lights to make certain they work.

You should also pack a car accident kit for your student to carry.? No matter how well you check over the car, there is always a possibility that there will be problems.? Some items to include in the kit include:

Batteries
Blanket
Emergency Contact Numbers
First Aid Kit
Flares
Flashlight
Jumper Cables
Paper
Pen
Proof of Insurance

With a little preparation ahead of time, you can rest easy in knowing that your college student will be safe while away from home.

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Getting Insurance In Place for Your College Age Child

AutoCareInsurance.com — Wed, 09 Jul 2008 02:29:34 +0000

Do you have a child that will be heading off to college soon? If so, you have plenty of insurance needs to keep in mind. Not only will you need to take a closer look at your car insurance needs, you will also need to consider medical insurance and other important forms of insurance to keep your child protected.

Auto Insurance

When your child became a teenager, you likely noticed that your insurance rates went up. You may be hopeful that they will go back down now that your child is heading off to college. The reality is that you may not see much of a difference at all. In fact, you may actually have to pay more when your child goes to college.

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If your child still lists your address as his or her permanent address, the insurance company will still consider your child to be a resident of your home and your insurance rates will not change. In addition, depending upon your insurance company, you may actually have to list your child as the primary insured on the vehicle that he or she takes to school. As a result, the rates may go up.

Health Insurance

Health insurance is another factor you should consider when your child heads off to college. If you belong to an HMO, it is unreasonable to expect your child to go to doctors that are within your network – particularly if he or she is attending a college in another state. Therefore, you might want to look into purchasing coverage through your child’s school. The cost of this coverage varies from one school to the next and the level of the coverage may vary as well, which means you need to carefully consider the coverage in order to determine if it is the right choice for you and your child.

Renter’s Insurance

If your child moves into an apartment or rents a home while away to school, it is a good idea to get renter’s insurance in place. This way, if he or she causes any damage or if anything is stolen, the insurance will provide your child with protection. If your child is staying in a dorm or in any other type of university housing, you won’t need to purchase separate insurance because he or she will probably be covered under your policy. Nonetheless, you should check with your insurance agent in order to be certain.

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Teaching Your Teen to Drive Safely

AutoCareInsurance.com — Sat, 05 Apr 2008 04:34:41 +0000

If you are the parent of a teen that is getting ready to start driving, you are probably feeling like a raw bundle of nerves. After all, your child will soon be on the road and will be at a greater risk of getting hurt in an accident or hurting someone else. In addition, the auto insurance rates are likely to be through the roof. Thankfully, in order to help keep your child safe and to keep the insurance rates reasonable, there are several safety steps you can take.

Experience Counts
Research shows that one of the main reasons teens are in more accidents than other age groups is simply because they have a lack of experience. As a parent, you can take steps to make certain your teen has plenty of experience before he or she drives solo.

Obviously, your teen will be getting only supervised driving hours while he or she is carrying a driver’s permit, but you should continue to provide supervision even after the permit is earned. In reality, you should continue to supervise your teen driver until you feel that he or she has gained sufficient experience. If the thought of getting behind the wheel with your teen when he or she is first learning to drive makes you nervous, you should also seriously consider enrolling your teen in a driver’s education class. Not only will this extra driving practice help to reduce the risk of accident, many insurance companies will also give you a break in insurance after successfully completing one of these programs.

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Consider the Environment
Until your teen has gained experience and confidence, you should avoid letting him or her drive alone in poor weather conditions and at night. Ideally, you should provide your teen with several supervised driving experiences in adverse weather conditions such as snow, rain, fog, and ice. The same is true with night driving. Frighteningly, approximately half of fatal vehicle accidents that involve teens occur during nighttime hours.

Reward Safety
As your teenager continues to prove that he or she is driving safely, you should slowly begin lifting restrictions. By rewarding safe driving, your teen learns the joys of driving safely and gets a boost to his or her confidence. At the same token, there should be repercussions for violating your rules or the laws of the road. Driving privileges should be revoked according to the violation so your teen learns that driving safely is not an option but an absolute must.

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Where to Get Cheap Car Insurance for Students

AutoCareInsurance.com — Thu, 07 Jun 2007 01:35:55 +0000

By Brian Stevens

Students typically have little extra money to spend, but unfortunately have to pay top dollar for car insurance, with drivers under age 25 paying the highest car insurance rates of anyone. So where can you get cheap car insurance for students?

Shop Around

Insurance rates can vary widely from company to company, so you need to comparison shop to make sure you’re getting the cheapest car insurance you can.

The best place to comparison shop for car insurance is on an insurance comparison website. On such a website, you complete a form with information about your vehicles, personal information, coverage limits, and deductibles. Then you’ll receive fast quotes from multiple A-rated insurance companies and you can choose the cheapest quote from the best company.

On the best comparison websites, you can also talk with insurance professionals through an online chat service or toll-free telephone service and get all your insurance questions answered (see link below).

Plan to Save

To keep your car insurance as cheap as possible, follow these tips:

* Keep your grades up so you can qualify for a good student discount.

* Enroll in a driver’s education or defensive driving class.

* Drive carefully and safely so you can qualify for a good driver discount after three years with no tickets or accidents.

* Keep your credit rating in good shape. If you have poor credit, your insurance costs may be higher.

* Before you buy a car, check into the cost to insure it. Your premium will be affected by the car’s sticker price, potential repair costs, overall safety record, safety features, and the likelihood of theft.

* Set your comprehensive and collision deductibles as high as you can afford. If your car is more than five years old, consider dropping comprehensive and collision coverage altogether.

* Ask your insurance company if there are any additional discounts you might qualify for so you can get the cheapest car insurance possible.

Visit http://www.LowerRateQuotes.com or click on the following link to get cheap car insurance quotes for students from top-rated companies and see how much you can save. You can also get more insurance tips there.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on cheap car insurance for students.

Article Source: http://EzineArticles.com/?expert=Brian_Stevens
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