Auto Insurance for Teen Drivers

As soon as your teenager receives their driver’s license, they will begin to cause you even more anxiety. Not only will you worry every time they get behind the wheel, you will also worry about how much more you will need to pay in auto insurance premiums with a teenager on the policy. It is true that teen drivers cause large increases in insurance premiums, which is directly related to increases in risks taken on by the insurance company—teens are statistically more likely to get in an accident that results in an auto insurance claim than are other age groups. That's why it's important to ge the best rates possible, by comparing car insurance quotes.

So this means you don't have to worry about locking up your teen until he or she is 25 years old (car insurance agents say this is the golden rate decrease age). What it does mean is that you need to make yourself aware of ways in which you can minimize the additional costs of getting auto insurance for your teen driver. Some helpful tips are included here, to help you do just that. To compare teen driver car insurance quotes now, simply fill out our online form and compare upt o five offers.
The Basics of Auto Insurance for Teen Drivers

While you may be tempted to keep your teen as far away from your own auto insurance policy as possible, chances are it will be more expensive to secure auto insurance for your teen on a separate auto insurance policy than it would be to put them on your own auto insurance policy. There are a number of things you (and your teen) can do to keep costs down. To verify specifically how your own auto insurance policy works in regard to teenage drivers, contact your agent.
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* Keep the grades up: Most auto insurance companies grant a “good student” discount for teen drivers who maintain a “B” average or better. Find out if your child can qualify for this discount. It offers a way for them to help allay your auto insurance costs and an incentive for them to succeed at school and on the road.
* Set a good example: Your teen driver has been watching you drive since they were a young child. Modeling your own safe-driving habits will encourage your child to follow suit. Also, discuss the dangers of driving recklessly, with distracting passengers—or cell phones—and driving while intoxicated. If you are responsible in these areas, you will help your child model this behavior.
* Consider an older, used car: If your auto insurance provider assigns specific drivers to specific vehicles (some do and some do not), you might want to consider purchasing a less expensive, used vehicle for your teen to drive. Since teens are the most expensive drivers to cover, keeping your teen from driving the family’s most expensive vehicles may reduce your premiums.
* Driver’s education: Many auto insurance providers will also offer a discount to teen drivers that pass a driver’s education course.

These are some basic, simple ways to keep the auto insurance costs for your teenage driver down. There are other ways as well. For example, most auto insurance policy owners know that higher deductibles reduce premiums. This savings technique increases in value when teen drivers are part of the equation. Raising deductibles can become a very effective way to keep your auto insurance premiums down. In addition, if your teen leaves home for college, you may be able to drop them from your auto insurance policy; however, this means they cannot drive a vehicle—at school or at home. This option may or may not be practical. Additionally, you may want to consider shopping around for another auto insurance company. Looking at how different auto insurance companies cover teen drivers may allow you to find the most cost-effective solution, even if it means changing companies.

Consider utilizing these tips to keep your auto insurance premium costs down while insuring your teen driver. Also, ask your auto insurance agent if they have any other suggestions for reducing costs. Most of all, continue to keep the lines of communication open with your teenager. They need to recognize the serious financial and physical risks that come with a valid driver’s license. By including them in the decision-making process (and even in the bill-paying process) they may benefit from learning about the serious ramifications of adding a teen driver to an auto insurance policy. In the end, this may help your teen driver become a more responsible driver and to take their new role more seriously. To save the most money, we recommend filling out a teen driver auto insurance quote and comparing up to 5 offers from local agents in your area.

Discussing your car insurance claim with an insurance adjuster

If you have had an automobile accident, you will likely want to file an auto accident insurance claim with your own car insurance company, the other driver’s insurance company, or both. Once you make a claim, a Claims Adjuster, Insurance Adjuster, or Claims Representative will contact you. These are all different names for the same thing; this is the person who will get all of the information from you about your accident, determine if there is coverage under your policy, gather the facts, do the investigation to determine who was at fault, decide on the value of your auto accident insurance claim, and, if everything goes as planned, pay you. The process isn’t complicated, but if you’ve never gone through it before, there are some important things you need to know.

Whether it is your insurance company’s adjuster or the other driver’s, many of the questions asked and documents requested will be the same. They will want to know what happened, the people and vehicles involved, what was damaged, and if anyone was injured. They’ll want photos taken of your vehicle and an estimate for the damages, a copy of the police report if there is one, and contact information for any witnesses.

Some of the questions both insurance company adjusters will ask are:


* What happened in the accident?

* Where did it occur?

* Who was driving?

* Any passengers in the vehicle? Names/contact information/ages?

* Was a policeman called to the scene? Did the officer prepare a report?

* What vehicles were involved? Makes, models, years, colors, registered owners?

* Were the vehicles damaged? What parts? Were the cars drivable?

* Was anyone injured? Did anyone leave by ambulance?

* Any witnesses? Contact information?

* Does the other party have insurance? Insurance company name and contact information?


Beyond these questions, there are some differences between not just what the insurance company will ask, but the attitude they take depending on whether it is your own insurance company or the other driver’s. Of course your own insurance adjuster will want to know if you were injured and will ask for details of your injury and treatment, but they are only responsible under your policy for paying your medical bills up to your policy limits. They do not, however, pay for your lost wages or your pain and suffering unless you live in a no-fault state. (See Bodily Injury in a No-Fault State for more information about bodily injury claims in states with some form of no-fault auto insurance law.)

If, however, you are talking to the other driver’s insurance company, their job is to keep your car accident insurance claim as small as possible. Why? If their insured was at fault for the accident, they may be responsible for paying not just for your medical bills and the damage to your vehicle, but your lost wages, other expenses you incurred or will incur in the future, and general damages which include your pain and suffering. Since they could be on the hook for a lot more money than your own insurance, you’ll find some skepticism when being questioned and you have to be careful about what you say. They will try to get you to state that you have no injury, or try to minimize your personal injury claim, and get you to sign a Release and Waiver before you know what’s going on. (See Your Car Insurance Settlement Agreement to learn how to avoid premature or inadequate auto accident settlements.) If you were injured, you may want to speak to an attorney before talking to the other driver’s insurer so you avoid saying or signing the wrong thing which could hurt your chances of making a personal injury claim or getting paid what you deserve down the road.

What the other driver’s insurer may ask:


* What part of your body was injured?

* Have you had any injuries or treatment to that body part ever before?

* When was the last time you were treated for an injury to that body part?

* What was your doctor’s diagnosis at that time?


This line of questioning is meant to set you up. Suppose your lower back was injured in the accident. Most people have had some back problems at some point in their lives. If you tell them that 10 years ago you injured your back at work, they may try to say this was just an aggravation of the old injury and assign it less value even if it’s been fine for the last 9 years. This is why talking to a car accident attorney first may be your best bet to protect your rights, and be certain you will get a fair settlement.

How To Buy Non-Owner's Car Insurance

A non-owner's car insurance policy is for people who drive rented or borrowed cars often. It provides coverage for damages to property or injuries to another person caused by the borrower or renter. Non-owner's car insurance does not provide collision coverage (damages to the rented/borrowed vehicle) since it is a liability-only insurance policy.

Expensive parking fees, limited parking spaces and traffic congestion as well as high cost of insurance in big cities make this type of insurance policy popular in metropolitan areas. Many people living in Chicago and New York for example rely on rentals, borrowed cars as well as the city's transport system rather than owning cars. If you find yourself borrowing someone else's vehicle often or you rack up miles traveling in rented cars, a non-owner's car insurance is a great way to protect you from financial worries in case you get into an accident.

Some states require drivers to present proof of insurance. This happens when a driver has been previously caught driving without insurance or when he has had several DUI records in that state. Having a non-owner's car insurance is the least expensive way of abiding by this state requirement.

When planning to buy a non-owner's car insurance:

1. Do your research. Find out which insurance companies offer this type of policy. Call different insurance companies directly or search for this information on the web. If you already have an insurance company providing you with other types of coverage, ask if they can include a non-owner's car insurance in your package. If the car is borrowed from a friend, ask who handles his car insurance. You may be able to get lower rates if you get a policy from the company holding the insurance on your friend's car.
2. Find out what is covered and what the terms and conditions are for such a policy. Insurance companies may base policy premiums on the insurer's age or gender as well as his driving history. Ask if it is possible to add on towing and rental reimbursement, collision coverage, and other optional items that are not normally covered by non-owner's policies. Inquire about ARP or "Assigned Risk Plan". This plan is offered by the state to the insurance company. The insurance agency should in turn base the policy offered to you on the ARP.

3. Request for and compare quotes. Request for quotations from several insurance companies. Once you have all the quotes, compare them to see which one can give you the best coverage at the lowest cost you can afford. Usually, a non-owner's auto insurance premium costs half as much as that of a regular car insurance premium. You can also find insurers that offer discounts if you pay several months in advance. Instead of calling several insurance companies, you can go to Online Auto Insurance. It is an online site that allows you to compare different quotes from several insurance companies.

Many people choose not to own cars for different reasons. They rent or borrow someone else's vehicle instead. Unfortunately, a person driving someone else's car is still liable to pay for damages or injuries in case he gets into an accident. A non-owner's car insurance is one way to ensure that the non-owner can cover any liabilities. It is a means of protecting himself from additional financial strain should an accident occurs. By doing some research and pencil-pushing you can easily find a non-owner's car insurance policy that you can afford and provide you with the necessary accident protection as well as peace of mind.

Cheap car insurance companies

Auto companiesThere are several ways to go about searching for the cheapest insurer. Individuals can have a phone and call several ads, one after another, after beating the field and with agents or hop online and visit the websites of a few suppliers. Whatever method we choose to cover store, is always the bottom line and compare prices from the carriers as possible, the best solution is for consumers to find the lowest prices for their pets in particular.

When motorists tried to find cheap auto insurance companies, must understand one thing, each company will be priced at a pilot, according to their statistics and quantity required for each other. The most common factors to consider if the insurer setting the premium side of the driver age, gender, driving history, address information, garage, vehicle and coverage desired. After the company's profitability with risk factors of candidates, prices vary. Therefore, an essential step towards to the best offer for each individual due to the fact that if a driver can be found to achieve much with a particular airline, which is not necessarily apply to another.
Finding cheap car insurance companies online

Although the old methods of comparison, like the telephone or visit various companies and offices, agents can negotiate with an effective means to find a good market, they can also take a very long time. The Internet has a very convenient quick cheap car insurance companies can be found in the comfort of your own home at any time of day was shop. Are no longer consumers instead of opening hours of offices, which are generally the same as most people.

There are several ways to use the Internet to find low prices for reporting visit, a person, the sites of various insurers can and cost estimates for each service or use in respect OnlineAutoInsurance.com site. Visiting the websites of the Company, he is prompted to enter their information on the individual to an estimate, That some take time to be obtained. Fortunately, comparison sites, the footwork for the purchasing process for consumers. Individuals may be necessary for the site and enter your basic information to calculate premiums and get prices immediately from multiple sources.

Then we can compare and choose the companies with the best price on a single location. The Missouri Department of Insurance recommends that motorists have at least three bids for the elections and said that people probably get 20 offers online at the same time, he would appeal against the three officers. Offer important advantages over other websites is that the variety is free, there is no obligation to purchase and do not require people to provide personal information such as driver's license and social security numbers.