Car Insurance for Teenagers » Car Insurance for Teenagers

Insurance Companies Just Add Car Insurance for Teenagers On Your Policy

Sat, 30 Aug 2008 18:59:22 +0000

I was doing some more research this weekend on getting car insurance for teenagers since mine is gonna be there soon and I ran across an interesting article out there from Tampa Bays 10. I know that my son will be getting a permit before long so I’ve got to be informed as much as possible to save where I can as I know it’s gonna be expensive due to where we live. Plus with the rising costs of everything these days we gotta be smart as consumers.

I don’t want to do anything that is going to dampen his spirits in getting his learner’s permit as it’s such an exciting time and right of passage in a teens life. But this story really shocked me and is something that I’m going to be definitely following up on with my insurance company when getting car insurance for my teenager. Seems that another parent was surprised to find out that their insurance company just added their teenager to their policy simply because she turned 16, big surprise is she won’t even get her license to drive until next year. This is going to add $1,100 to their policy for just six months coverage.

Seems that insurance companies can just add car insurance for teenagers on policies whenever they see fit. Why? Well, seems that there is no statute set forth by our governing bodies regulating insurance companies as to when they can add a teen driver to a family policy. What does that mean. Simple, they can do it when they want to basically, not when you are ready.

The story then goes on to say that it simply depends on the insurance company. They viewed some of the largest carriers and found that they really have different views on the matter. Allstate will add your teen on your policy for car insurance when they get their learners permit. Progressive will add them in when they turn 16. Nationwide will also add your teen for teen car insurance when they get their permit. State Farm looks to be the most logical as they won’t add them in until they actually get their license, when one would need car insurance for a teenager, according to the report.

This is definitely a new development for me and something that I’m going to check out with my insurance carrier, I’d suggest that you do the same with yours so you don’t get any friendly “surprises” in the mail about your insurance policy and your teenager especially if you live in Florida and are looking for the best Florida car insurance rates since that is where this story originated.

What Car Has The Best Insurance Rates for Teens

Fri, 14 Mar 2008 22:48:00 +0000

When you get that first ride, probably the furthest thing from your mind is car insurance for teenagers. All you can think about is how it looks. The slick paint job and fabulous rims. The flawless interior and how smooth or comfortable it feels when you sit behind the wheel. That sweet sound blasting out of those 15″ sub-woofers in the back and the melodious ear wringing coming from the matching six by nines in the front. Not to mention just how good you look behind the wheel and how all the heads will turn when you go cruising down the street. Good thing you haven’t bought it yet cause that ride could cost you some serious bling when getting car insurance. So let’s go over a few things to keep in mind when looking for that perfect car.

First, new cars are much more expensive in general to insure than old(er) cars when acquiring car insurance for teenagers and for good reason. But as a general rule of thumb, typically the flashier or newer the vehicle, the more expensive it is going to be to insure than an older vehicle. Newer cars tend to come with price tags and not the kind that your thinking about. Thieves target newer cars. Higher priced luxury cars are huge targets. If you’re a parent, why not think of upgrading your car instead of living vicariously through little Johnny or Susie because that’s what you always wanted. Your insurance on this vehicle won’t be nearly what it would be if you were getting car insurance for teenagers on it.

If you do get a newer car, make sure it has some type of anti-theft device for your own protection. You could eventually lower your teenagers car insurance rates by detering that type of activity and some insurance companies even give you a little bit of a discount for your vehicle having it. Devices like vehicle alarms, wheel locks and engine immobilizers are all considered anti-theft devices. Not only that, cut-out all that mess totally by parking your car in a safe place, like your garage, when it’s not in use. Cars stored in this manner are less likely to be stolen or damaged. How does this help? Simple, you cut-out the risk of theft and damage claims when the car is not in use. Now it doesn’t help really until you have some history but after that history is compiled it could help in reducing your car insurance for teenagers annual premiums.

Should one of these newer types of vehicles be on your short list for purchase, you are going to want to consider full coverage car insurance for teenagers. Still not that bad as you do have a few options. One option to point out in particular in an effort to alleviate some pressure from high cost insurance is to choose a higher deductible. With full coverage you will have to choose a deductible. There’s no getting around it. A deductible is simply the amount you have to pay out of pocket should your teenager get in an accident (which statistics say will likely happen). Deductibles are easy though. The higher the deductible the lower the cost of car insurance for teenagers. Do take note though that full coverage is normally about twice as expensive as just teenager liability insurance.

In future articles here at New Car Insurance for Teenagers we will delve further into the aspects of vehicles and vehicle ratings and what insurance companies deem safer vehicles than others which will help drive down the cost of car insurance. As always, if you have any questions or looking for some specific information, please feel free to leave us a comment or send us a mail or click around the site for more information.

Car Insurance for Teenagers – Not Just a Dream

Fri, 14 Mar 2008 20:37:15 +0000

It’s most every kids dream, owning their own car. But I can definitely tell you what they are not dreaming about, car insurance for teenagers and that before they can register it in their name they’ve got to have it. And I guarantee you this, they didn’t plan on this expense being so costly. So why is insurance so expensive for teens? Well there are many elements involved in establishing just what a certain person might have to fork over car insurance and we will be discussing those here as well, but as a consumer you have to be selective and be wise of all the advantages that insurance companies do make available at your disposal for lowering your car insurance rates.

Age and driving experience is a major determining factor in what your rate will be when obtaining teenage car insurance. Typically the younger you are, the more your insurance rate is going to be. So for all you brand new drivers out there just getting your license, you will definitely have the highest rates on the planet. Simple, it’s been proven that teenagers have more crashes and accidents than other drivers on the road. The same is true for driving experience. If you are older but have recently acquired your license you will experience the same effects when getting insurance.

Don’t let that stop you though, pit those insurance companies against one another. They all offer car insurance for teenagers, see which ones have the better rates. Shop around, they can’t be the only one in your town. If they are, use what got you here in the first place, the internet. There are hundreds of online insurance companies and believe it or not they want your money just as bad as you want car insurance for your teenager. Click around, get a quote, tell them your history and the lowest price you’ve been quoted so far but be honest. You want the best deal but you have to give good information at the same time.

Just keep in mind what you are after and what you can afford. Remember, while getting car insurance for teenagers your main goal is to get coverage and be protected. Are you looking for full coverage or will just liability coverage be sufficient. That could depend a lot on what type of vehicle you’ve acquired in the process. The only way to really start weighing your options is by getting quotes. Quotes are not legal contracts so you won’t be held liable by getting an insurance company quote for car insurance rates for teenagers.

Welcome to New Car Insurance for Teenagers

Tue, 26 Feb 2008 18:37:50 +0000

Thanks for stopping by New Car Insurance for Teenagers where our focus is going to be loading you up with information on getting your teenager insured to drive a car. Not only will we be diving into new car insurance, but we’ll also tackle car insurance for used & pre-owned vehicles for your teenager as well. We’ll be taking the time to gather and organize information that can arm and educate you so you can purchase the right car insurance for teenagers. It’s tough to watch sometimes as your children grow and then go mobile on a set of wheels. The progression from tricycles to bicycles to motorized to full blown auto’s. They grow so fast. No matter what you’ll always love them and want the best for them so why not the best and most affordable car insurance options as well.

If you are looking for answers to specific questions that you don’t see here on New Car Insurance for Teenagers [dot] com, please, let us know. Leave us a comment. Send us an email. You never know, it might be a question that somebody else is probably thinking but not asking either. We’ll do everything possible to try and answer your questions.

As part of this site, our plan is to also include interviews that we’ll undertake from different car insurance agencies and agents in an effort to gain a good understanding and general guidelines on the various policies available for car insurance for teenagers. What you’ve got to have. What you can do without. What expectations to talk about and set with your teenager. And everything else we can think of related to the subject of teenagers and car insurance. Thanks again for the visit and make sure to check back often as we will be updating New Car Insurance for Teenagers with as much information as possible.