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Car Insurance Quotes For Teenage Drivers

September 22, 2009 By Leave a Comment

Car Insurance Quotes For Teenage Drivers
Car insurance companies put teenagers in their own group for many different reasons. The first reason is that they lack experience compared to other drivers and that means that they haven’t been in as many situations where they have had practice reacting to the situation. The second reason is that they have not demonstrated their driving ability and don’t have a safe track record behind them. The third reason is that statistics show that teenage drivers have a higher than normal risk of being involved in accidents with other drivers or with “permanent structures” like telephone poles, stop signs, buildings, etc. Because of these statistics, insurance companies put teenage drivers in their own group and charge higher premiums.

The good news is that although insurance companies charge teenage drivers higher rates, they can still shop multiple insurance companies for the best quote available on teenage driver car insurance. When getting a quote from a company, they will ask about the driver, the car and the area and how much the teenager will be driving.

The easiest way to get multiple teenager driver car insurance quotes is to enter your zip code below and you will be shown many of the nations top teenage driver car insurance companies who you can request a quote from. Getting a teenager car insurance is not difficult to do and only takes minutes — and you might be surprised at how much money you can save just by shopping around a little bit.

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Filed Under: Auto Insurance, Teenage Driver Tagged With: , , , , , ,

Don’t Forget Insurance For Your College Student

September 2, 2009 By Leave a Comment

They are finally out of the house – and off to college!

Time to stop worrying about them?

No chance.

Even though your teenager is finally out of your house and off to college, there are still things to worry about – from the cost of teenage car insurance to renters insurance for their dorm room to health insurance for college students.

According to Minyanville.com:

Many people forego health insurance because of its perceived high cost. The health of most 18- to 21-year-olds makes insurance an affordable safeguard.

Your student’s college may have negotiated a group rate with a carrier that probably costs less than individual coverage. An individual policy allows you to tailor coverage to the needs of your student. If your student has no chronic conditions such as asthma or diabetes, consider a plan with a high deductible, moderate co-pay and hefty catastrophic coverage. Deductibles can range from $500 to $3,000. Be sure to compare premiums and deductibles.

Shop around for a plan that provides health and wellness checkups. Don’t over-insure, but be sure to cover any known conditions. Remember that the first step into adulthood may be uncertain and your student may simply need to talk to someone about academic pressure in a new environment. Many plans cover visits with a mental health professional up to a pre-determined amount.

There also temporary health plans offering coverage for 30, 60, 90 or 180 days. Such plans can provide stopgap coverage as you investigate permanent coverage or can be used to cover the gap between graduation and your student’s first job.

The key: Shop around to find the best coverage for your student’s needs at a good price. The insurance industry is highly competitive and carriers offer an array of plans to match various budgets.

Filed Under: Auto Insurance, Cheap Insurance Quotes, Free Insurance Quotes, Student Health Insurance, Teen Driver Insurance Tagged With: , ,

Teenage Driving Insurance

June 3, 2009 By Leave a Comment

Finding the right deal on teenage driving insurance can save you quite a bit of money. You might be surprised at how big the differences can be when searching for teenage driving insurance quotes.

Teenage drivers are known to be a big risk for insurance companies – and it is for many different reasons. They lack experience, they are often in dangerous driving circumstances and recent research indicates that important mental functions, such as reasoning, self-control and judgment don’t mature until the late teenage years, much later than when teens first learn to drive.

Inexperience combined with lack of judgment helps explain why young drivers are a high risk to insure:

Car crashes are still the leading killer of people age 15 to 20.
Young drivers are three times as likely to die in a crash as those aged 25 to 64.
The younger the driver, the more accidents: The crash rate for 16-year-olds per million miles driven is nearly three times as high as for 19-year-olds, and nearly six times as high as drivers aged 20 to 24.

teenage-driving-insurance-quotes

How much more does it cost to get teenage driving insurance? Don’t be surprised if you see your premiums spike 50-200% the minute you add a teenage driver to your policy.

For example, a couple living in California might pay an average of $2324 for car insurance before adding their teenage son to the policy. That same couple would see their premiums go to $4,562 — a 96% increase just by adding their son. If they have a ticket or accident – the tab could be much, much more.

What is the average cost for teenage driving insurance? Be sure to check with your current insurance company and also shop around for the best rates. You might be surprised to see how much you can save just by shopping.

Shopping for teenage driving insurance is free and it only takes minutes!

Adding Junior would boost the tab to $4,562, a 96% increase. A ticket or accident could boost the tab $1,000 or more — sometimes much more.

Still, there are ways to bring down the costs. I interviewed several insurance-industry executives for the inside scoop on how they saved money when their own kids got driver’s licenses. The insights they offer could help lessen the financial pain you’re about to experience.

Get Your Free Teenage Driving Insurance Quotes Now!

Filed Under: Auto Insurance, Teenage Driver Tagged With: , , , ,