Saturday, August 28, 2010
Saturday, August 21, 2010
The risk of accidents increase by 77% when consuming alcohol by a certain survey, followed by drugs and medications for 58% of respondents. 17% of 15-24 year olds admitted driving after drinking alcohol or Taking drugs. Other causes of accidents revealed by the survey are speeding the car, failure to respect the rules on the road and fatigue. Almost 30% of young drivers were involved in those kind of accidents.
Finding Discounted Insurance Made Easy List:
1. Choose a small displacement. The insurance is cheaper if you opt for a less powerful car. Indeed, from a number of kilowatt (kW), some companies are any more inclined to ensure a young driver at favorable rates.
2. Find the best conditions. If you have circulated for several years without a moped accident, play it in the negotiation. If you have other experiences, such as driving a minibus business for a summer job, do you make a statement. This will be a valuable asset in negotiations.
3. Start in your neighborhood, target the dad, mom, or another family member's insurers. You will often receive a discount. Use this friendly setting to create trust. Brokers and insurance agents treat you differently if your parents certainly are known as experienced drivers. Anyway, children and loyal customers generally get better terms.
4. It is important to compare offers from different insurers. Contact several brokers and ask them to tender.
5. Also consider contacting an independent broker. It is his job to know the offers of several insurance companies. The broker can perhaps recommend a company offering tailored rates for young drivers.
That's it! 5 easy hints for you. Hope you guys know full well on how to find good car insurance.
Saturday, August 14, 2010
A SHOCKING BRUTAL VIDEO OF YOUNG DRIVERS BEING KILLED IN CAR ACCIDENT! It will blow your mind and make you think twice of racing on the road.
Many young drivers were keep on getting killed in car accidents. This article shows you four methods on avoiding getting involved in car accident or at least reduces the chances of getting killed in car accident especially for young drivers. It will help you whether or not to choose young drivers insurance.
"Watch out for speed limits!" Those were the words told by our government or our mom and dad but not that anyone cares. Many young drivers ended up being killed (Young Killed) in car accidents without having proper young drivers insurance but most of the other still alive young drivers would not take heed of these clear sign of warnings because to them speed means everything and they wouldn't even bother about taking young drivers insurance. Speed means being cool, being respected by friends, not being late on attending classes, showing off in front of friends and much more. See, speed means everything to them. If the bad young drivers (I'm talking about the hardheaded one) had good insurance at least it will help the family. But sadly those young drivers without insurance bring much problem to our traffic nowadays.
I will give you a couple of fool proof methods that allows you to to avoid being killed in a sudden car accident and also a little insurance advice . I will list four tips on helping your young rebellious child or you young fast drivers from getting involved in a fatal car accident or AT LEAST reduce the chance of getting killed. Here are the list:
- If you are in a hurry, do not try to race your car to your destination. Check out the weather condition, or the traffic status (through phone line, or online service). And if the status are bad, no matter what drive carefully on the road because accidents tend to happen much more often on a busy road.
-Do not try to do other activities when driving like fighting with your spouse on the phone or smoking because all of these things can reduce your concentration in driving.
-Watch out for junction. Always keep your eyes peeled on the yellow junction signboard.
-If you are sleepy or tired, get a sleep first on the rest station no matter how late you are. I do not suggest to stop the car on the side of the road because it will increase the chance of getting killed in an accident.
That is it! Four tips on reducing the chance of you young drivers from getting killed in car accident. Get Young Insurance Drivers or Cheap Car Insurance For Young Drivers Plan accordingly before going anywhere. Plan the roads you are going to take, the alternatives, and the check road condition to make sure you will arrive quickly at your destination.
For more stories on young drivers you can visit my blog at Young Insurance Drivers | http://www.young-insurance-drivers.blogspot.com/
Wednesday, August 11, 2010
Costly car insurance can cause a substantial strain on the budget of young drivers who generally have limited disposable income compared to older drivers. Young persons car insurance should be cheap and yet comprehensive enough to take care of contingencies. Here are some tips to help young people find a good deal on auto coverage.
- If you are a student then look for discounts such as good grades discount or student discount. Take up a defensive driving course. The course will brighten up your chances of getting a good rate for automobile insurance.
- Stick with cheap car models. A car which is cheaper and easier to maintain and repair will fetch you cheap auto coverage than a brand new car.
- Do away with extras in the policy such as the road side assistance or car rental in case on contingencies. In most cases you do not need it frequently. Young persons can cut down on their automobile insurance significantly by opting only for the liability than for a comprehensive coverage, if they drive a cheap car.
- If you are a parent looking for young persons car insurance for your teenager, consider a adding him or her as an added driver on your existing auto insurance policy. Some of the best companies also offer multiple driver discounts.
- To further reduce the young driver rates, one can schedule the payments every six months because the deductibles are higher for payments that are scheduled closer.
Student driver insurance is meant for younger, first time drivers. One of the privileges of reaching 16 is you will be allowed to drive. Therefore you'll be getting your own license but getting a license to drive or driving your own car also comes with a great responsibility.
For you need to get driver insurance for it is require by your state and is also for your protection in case unexpected accidents occurs. You can't avoid getting it so don't even think about trying.
This insurance is an additional burden to your parent's budget for getting driver insurance is very expensive especially since your still a student. Here are things you need to know about student driver insurance.
A student or young driver insurance is much more expensive compared to old and senior insurance for they are considered as high risk drivers by almost all insurance companies.
This is because statistic shows that young people are prone to accidents due to driving fast while senior or people over 25 years old are more careful when they drive.
Plus student driver does not have that much experience in driving compared to adults who have gathered experience through their years on the road. However there are still ways in which student driver can help their parent's budget by pulling their premium rate lower even if it's just a few percent.
One of this discounts that they can avail is good student discount you can avail for this discount if you have a grade above B, but just to make sure ask your agent first if they have this kind of discount and what requirements are needed to avail for it.
One way of lowering your rate is by increasing your deductible this is one of the common ways. Also some insurance companies lower your rate when you get lessons of safety driving.
Do not forget to ask your agents if there are any discounts that you can qualify for or is there any other discounts that the company offers for student driver insurance. If there are any ask the requirements so that you can avail for the discount.
Insurance are important for it helps protect you and the other party that will be involve when you are caught in an unexpected accident. You also have to make sure that you purchase and choose that right coverage that you will need and discard those that you won't use.
Young Insurance Drivers
Monday, August 9, 2010
Finding cheap car insurance for young drivers is a difficult task. However, there are things a young driver can do to help minimize their cost such as get good grades to receive a good student discount. Furthermore, if you know where to look online you can instantly get competing quotes from multiple different companies. Competing quotes will allow you to find the absolute cheapest deal for you.
You can get competing quotes from your local car insurance agents. Take the time to sit down with these folks, let them meet you as a young driver, present yourself well, and ask for a quote. Doing this at several different agencies will allow you build a relationship with the agents as well as let you compare their offers before settling on the cheapest one. The downside to this is that this process can take weeks to complete as it is sometimes hard to get in the door with so many different agents in a timely fashion.
The same thing can be accomplished in a matter of minutes online. Additionally, you can often get cheap car insurance for young drivers via this medium because you are dealing directly with the company and eliminating the agency. Eliminating the agency can help you save because there is no need for them to compensate an agent for your purchase.
If you go to the website of each agency you can fill out a free, fast online car insurance rate quote form. Make sure to indicate your age on this form as well as any other pertinent information such as your standing as a good student. Once you fill out the form you will receive a quote. Repeat this process online for several different companies. Once you have the quote in your hand you can compare them and settle on the cheapest one.
Finding cheap car insurance these days can be quite a task. Finding cheap car insurance for young drivers can be an even bigger task if you do not know where to start your search.
By receiving car insurance quotes online I was able to save $105 per month!
To do the same, visit http://www.AutoInsuranceLocations.com and enter your Zip Code. Within a matter of seconds you will have quotes that will help you save as much as me, or more!
Article Source: http://EzineArticles.com/?expert=Christopher_B_John
Young Insurance Drivers
Sunday, August 8, 2010
Cheap Car Insurance For Young Drivers - 4 Reasons For the High Premiums and 4 Ways to Pay Much Less!
Getting cheap car insurance for young drivers can be quite the daunting experience. The whole experience of obtaining adequate insurance coverage for their cars can be frustrating because young clients have to pay high premiums. Actually, it's not just more expensive premiums - they are among the highest of all driving groups. Insurance for young drivers is costly due to a number of reasons.
First, statistics show that most accidents are caused by drivers with less than 2 years driving experience. Over 20 percent of all drivers have accidents within the first year of driving.
Second, around 25 percent of all road accidents occur because of drivers aged between 17 and 25 years.
Third, most of the thefts, vandalism and fires on cars are experienced by younger drivers. This leads to more insurance claims by the young.
Last but not least, younger drivers have a higher likelihood of loading their cars with friends which makes them more prone to car accidents than older people who use their cars more carefully. And for inexperinced drivers, paying attention is critical.
Seeing as there are so many hurdles to getting cheap car insurance for young drivers, is there a way out of this historical data? Of course! The following advice is very practical to any young person who needs to drive a car without having to pay exorbitant insurance premiums. Although historical data is hard to beat, there are afew things you can do to appear less "risky" to auto insurance companies and get discounts to lower your monthly premium payments.
First, look for a car that is known to be safe. The "safer" the car, the lower your monthly payments will be. Side window air bags and other safety features should be reported to the insurance company in order to get a cheap car insurance for young driver's policy that is within your budget.
Second, see if your parents will allow you to sign onto their existing policy. You will be "piggybacking" off of their stable driving history and will allow you to get a much cheaper policy. If you're parents balk at this situation, let them know that it will be just temporary. Tell them that you want to prove to them (and the insurance company) that you are a safe driver. After 6-12 months with a perfect driving record, you can usually get your own individual policy at a decent rate.
Third, be sure to maintain good grades at school. This is one tip that many younger drivers aren't aware of. But it's a fact that just about all auto insurance companies will give insurance discounts to drivers who do well in school. Why? Getting good grades is in an indication of your ability to be responsible. A more responsible driver is one that is less likely to get into an accident. Insurance companies will reward for this by making your policy more affordable.
Finally, take some extra driving classes to get certificates which could earn you discounts on your vehicle insurance. Driver's education classes are not just to be a better driver. Most insuring companies will give graduates of these courses an instant 10 percent reduction in their policy premium.
If you are looking to get cheap car insurance for young drivers, you do have to deal with the historical data that states that younger drivers tend to get into accidents more often. This is the reason for the high insurance premiums. But all is not lost. By following the four tips above, you can ensure that you have the cheapest auto insurance policy possible.
Want to learn more about getting cheap car insurance for young drivers?
Visit Cheap Car Insurance For Young Drivers to learn how to get the best (and cheapest) car insurance for young people and teenagers. Knowing just one of these tips can save you thousands of dollars in insurance premiums each year!
Article Source: http://EzineArticles.com/?expert=Jason_Abbott
Young Insurance Drivers
Saturday, August 7, 2010
Car insurance is something that we all have to consider if you are going to want to drive. In the UK most drivers annually renew their insurance policy or compare alternate policies online hoping to get a better or cheaper deal elsewhere.
If you are a young driver then you will have to wrestle with the fact that it is going to cost you a lot more to get covered to drive a car. Due to the high cost of insuring themselves the under 25 age group are often excluded from driving their own car and instead opt to borrow their parents or a friends car as and when they need it.
To be properly insured for these types of situation you need to be added onto the policy of the car owner whose car you are borrowing. Whilst this may be possible for some people it may not be practical or financially sensible in other situations. Under these circumstances you can consider a temporary car insurance policy to cover you to drive as and when you need to.
This type of temporary insurance allows you to get cover as and when you need it. If you need to borrow a car for just one day you can get insurance for just that day. If you want to drive to the coast for the weekend you can get daily insurance for 2 or 3 days. This type of insurance means that you are only paying for the cover a day at a time.
Whilst this is a useful way to insure yourself many younger drivers are finding that they cannot get covered. This is because many of the temporary car insurers no longer provide cover for young drivers, specifically those who are under 25 years of age.
If you are finding it difficult to find short term car insurance then one option is to consider a pay as you go policy. This works much the same way as daily insurance except it is taken out at a month at a time with the minimum of 1 months cover. Whilst this might not be the solution to most young drivers needs it will help other drivers under 25 who only need insurance for a short period of time.
The cost of a policy is pretty competitive compared to a daily policy and you will find that if you want to drive for more than one day during that month it may well work out cheaper for you.
Young Insurance Drivers
Friday, August 6, 2010
Finding car insurance for young drivers can be very challenging. Finding car insurance for young drivers that is affordable can be next to impossible if you do not know where to look. Since most young drivers are considered high risk, insurance companies are reluctant to provide a reasonable rate quote. While this is understandable, it is true that all young drivers are not necessarily high risk drivers. Shopping around for the most competitive, affordable insurance rates out there could help young drivers save a significant amount of money on their car insurance.
Getting competing quotes for car insurance these days is really simple, even for younger drivers. The most important thing to remember is that the more quotes you get the more chance you have of finding one that is in your price range. Start by using the internet as a medium to find these insurance quotes. You can either visit the page of insurance companies one by one or visit one website that has all the information from insurance companies in your area already on it. While you can accomplish the same thing with both options, the latter of the two is much less time consuming.
Use a website that asks you for your zip code. Theses websites are out there everywhere and will provide you with a targeted list of insurance companies that cater to clients in your area. Click on each company on your list and indicate to them your needs. They will ask you questions about your car, your driving history, and most importantly your age. Since you are a young driver make sure to click on each company, indicate your age, and receive a free rate quote. Receiving competing rate quotes will allow you to sort through each, eliminate the bad ones, and settle on a few that look reasonable to you.
There is no way to avoid it, car insurance for young drivers is going to be a bit more expensive. However, if you know where to, and how to, look you will be able to save significantly over the course of time as you grow older.
By receiving car insurance quotes online I was able to save $105 per month! To do the same, visithttp://www.AutoInsuranceLocations.com and enter your Zip Code. Within a matter of seconds you will have quotes that will help you save as much as me, or more!
Article Source: http://EzineArticles.com/?expert=Christopher_B_John
Young Insurance Drivers
Thursday, August 5, 2010
When a young driver is involved in accident, it can be very costly because the price of the policy will rise drastically and this is why it is important to find cheap car insurance for young drivers. Nowadays, finding a cheap car insurance coverage for young drivers is no longer an impossible job due to the highly growing competitions among insurance providers. Online shopping is one of the best ways to find cheap car insurance for new drivers in the sense that there are lot of free websites that provide free online insurance policies and quotes.
One of the requirements for a young driver to get a cheap car insurance policy is to pass one or more advanced driving courses as a means of proving that you are a good and safe driver as well. For parents, it is better to send your young children to driving school instead of teaching them by yourselves so that they will not only be able to learn to drive properly but at the same time they will also be entitled for a driving school discount which most insurance companies offer.
Another thing to consider is the model and the brand of the car of the young driver. The older the model that the young driver drives, the cheaper the insurance policy will be. Although most teens would want a brand new sports car, it is probably not a good idea as the insurance premiums will be sky high. A better alternative is to give them an older model vehicle that is reliable.
Imposing a driving curfew for teenage drivers is also a better idea in order to avoid the probability of an accident or collision which might be a result on alcoholic drinks and other vices that most teenagers are engage in. So parents, be strict with your young drivers regarding "drinking and driving" as they may be more prone to engage in such behavior.
Finally, use the internet in search of insurance quotes, invite quotes from a number of online insurance websites and conduct comparisons among them. This would not only enable you to acquire a good insurance policy for young drivers but also familiarize one with the general terms and conditions pertaining to the form of insurance. New drivers usually have lesser disposable income than the older drivers and often are supported by parents therefore being able to secure a cheap automobile insurance policy can ease the pressure on the budget.
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Article Source: http://EzineArticles.com/?expert=David_J._Henderson
Young Insurance Drivers
Sunday, August 1, 2010
Car accidents are seen everywhere and it is very costly to be involved in one. A collision with another car or any object may damage your car and will require you to pay for its repair. Car insurance policies will offer you collision coverage which is one of the cheapest ways to cover your car.
If you are a young driver being involved in a collision can be very costly as the price of your policy will rise drastically and this is why it is important to find low cost car insurance for young drivers.
There are several different types of cover you can get. Collision coverage is handy in certain situations.
When hit by another car or when you hit another car.
Collision coverage will be handy in these types of situations since it doesn't matter if you were the one hit or you were the one who accidentally hit another car. Insurance policies will still cover the repair damage cost of your car since your car is covered by collision coverage.
The damage of the other car may be the only problem you will have to face and if you're lucky enough that the other car is also insured then it is just a matter of personal communication with the other driver that you will have to deal with to get both cars repaired.
When hitting an object.
Hitting an object will create a minimal or even a severe damage to your car depending on the object you hit. But no matter what object you hit the damage to your car will also be covered by the insurance policy and you will not be stressed with repair costs. The only cost will be regarding the object that you hit because the collision coverage will not pay for the damaged object especially when the object is personally owned by someone.
If the situation is that you accidentally hit an object that is not personally owned, there are certain laws that you will have to contend with that are not covered by collision coverage.
Collision coverage will take care of the cost of repair for your car no matter how minimal or severe the damage is. Other than that, the cost created by the collision will be paid by the driver since it is not included in the terms and conditions of the collision coverage.
This type of cover is probably best if you are a young driver and want low cost car insurance for young drivers. If you want to reduce the cost of your cover further you should consider raising the deductible as well.
Young Insurance Drivers
In the past we were all used to seeing young and first time drivers around town in beaten up old jalopies or rust buckets, that looked like they were not going to pass the following years MOT test of road worthiness.
Today many of these cars are eligible to be covered under a classic car insurance policy, and due to the low cost of acquisition, many are being driven by young drivers.
With the advent of new paint technologies in the nineteen eighties and robotic construction techniques introduced to mass car assembly production in the nineteen nineties, cars are staying on the road much longer than their predecessors and way beyond the lifetime of their depreciation value.
In the past classic cars tended to be things of rarity, and consequently the resale value tended to be outside of the normal depreciating rate, as demand kept the prices up. This is just as true today for cars from sought after and prestigious marques and the recent recession has led to a resurgement in investment for the scarce collectors or vintage classic car.
Conversely the number of standard family cars that are now defined as eligible for classic car cover buy being over a certain age, has risen dramatically. These are the very same cars that are being bought by the majority of young drivers when they first pass their driving test. Although technically classic cars they can be picked up from used car dealers at next to nothing. Young driver favourites such as the VW golf and Ford Escort hatchbacks are now considered classic cars and reasonable models can be bought for under a thousand pounds.
Car insurance for young drivers is often prohibitively expensive due to the nature of the risk and this is no different if a young driver applies for classic car insurance. Young drivers are further hampered in purchasing this type of insurance as most will not have accrued any substantial no claims bonus or discount for safe driving years experience.
Most car insurance suppliers will not insure anyone under twenty five under a classic car policy, however some of the better more specialist classic cover providers have recently lowered this age to twenty one, in some cases.
Although classic car insurance schemes are widely renowned to be much cheaper than standard cover, even if offered to a young driver, they should be aware that many of these polices have limitations to the amount of time and distance that can be craven in the classic during any period of insurance. As young people tend to use their cars more in pursuit of their lifestyles, this type of policy may include cover restrictions which are not be suitable for a young driver.
Young people looking for cheaper car insurance should shop around on the Internet to investigate a classic policy if the car they own really necessitates it and all the additional covers it offers, with the caveat that the classic cover might not be all they require of a policy should they be unfortunate enough to make a claim.
Cheaper cover can usually be obtained online from a comparison site or a car insurance for young drivers specialist providers website.
Young Insurance Drivers
Saturday, July 31, 2010
Insurance is but an important part of everyone's life. It saves people from a lot of trouble that they may encounter in the future. There are many type of insurance and one of these is insurance for drivers. Insurance may be cheap or expensive depending on type of coverage you need. In case of finding cheap young drivers insurance getting the right cover can be easy.
Referrals from friends, relatives, or by simply browsing the internet can get you insurance companies that offer cheap coverage. Cheap insurance may sound good but it is intelligent to always review the policies too. Not all cheap insurance is good. Often people make mistakes of choosing the cheaper coverage that does not suit their driving insurance needs.
Looking for insurance by using the internet will help you have broader options. Websites offer free quotes and they also calculate the premium depending on the coverage you choose. Using the internet is cheaper and faster than walking or driving around searching for insurance companies and to face relentless pressure to buy here and now when you just want chap young drivers insurance.
In using the web for getting quote, companies will ask you information that is essential for assessing your premium. Be sure to have the following information ready before you start your free hunt:
#1 Personal information like name and date of birth.
#2 Car information. Type of car you will use, make of the car, and the year model of the car.
This all you need along with your zip codes. No online company will ask for any financial information unless you are buying something.
Remember the type of coverage will determine the cost of your premium.
Discounts for young drivers are being offered by insurance companies so it is better not to forget asking about these. Discounts are greatly affected by several factors and one of these is your driving record. Driving record includes violation such as drunk driving, illegal parking, involvement in wrecks and accidents, reckless driving and speeding. Ensuring you avoid these will help you to get cheap young drivers insurance.
Being a young driver, you may still have a clean record so this will not be that much of a problem. However, you can still get of discounts by taking advanced driving course and even by having high GPA grades.
Another way to get a discount is to get a smaller and cheaper car or better yet if you are under 25 years old just put yourself under your parents policy. Stay under your parents policy for a year or two until you build up a good driving record and this way you can save hundreds of dollars a year on young drivers insurance.
Young Insurance Drivers
Imagine you are a 16 year old driver fresh out of driving school and you want to know how much it will cost for car insurance. Or you can imagine you are a parent of a young driver and you want to know how much is car insurance for your new teenage driver.
This is not going to be pretty. So you may want to sit down.
But there are a few ways to get some "cheap" car insurance even for a young driver with very little driving experience.
Insurance companies base their insurance rates on risk. If you are considered a high risk driver you will pay a high premium. If you are a low risk and safe driver, you will pay a lower premium.
Young teen drivers usually have very little driving experience and may or may not have attended drivers training school.
There is a lot to learn about how to drive and merge with traffic and make correct turns and just plain drive. It takes more than a few months to learn to do this well. Some people still have a lot to learn after several years of driving.
When you add all these factors up, you come up with statistics that show young teen drivers are one of the riskiest groups to insure out of all the drivers out there on the road.
If you are a parent and want to know what it will cost to add your young son or daughter as a driver on your policy, sit down because your monthly insurance premiums are more than likely going to double if not triple. And that's just for adding them as a driver.
That's not with them driving their own vehicle. When you add them with their own vehicle, look out.
You can easily add $200 to $300 a month and more to your monthly bill.
Especially if you give your kids the kind of cool car they want, like a Ford Mustang or Chevy Corvette or Camaro. With these kinds of cars you are just asking for high car insurance rates.
Whereas if you got them a less cool car like a late model Toyota Corolla or Camry or Honda Accord you will have a lower rate in most cases. These kinds of cars are family cars, safe and reliable and usually cost less to insure.
Another way to save money is to shop around. You may find a company that has a lower rate for just your teen driver and their own vehicle on their own policy. Car insurance is a very competitive business, that's why you see so many TV commercials from all the major companies.
Adding a young driver is a very costly expense. You can keep your costs low by being a smart consumer, shopping around, and encouraging good defensive driving habits.
Young Insurance Drivers
Friday, July 30, 2010
There is a great misconception among many people that it is almost impossible to find cheap insurance for young drivers. While this may have been the general rule some years ago, it is no longer true today. Younger drivers can certainly expect to pay more for their car insurance than older people do, but that doesn't mean that the insurance they do get has to be needlessly expensive. With a little bit of work and education it can be simple to find great insurance coverage and service at a very affordable price. Don't stop with just getting an insurance policy. There is more to being insured than simply acquiring a good policy.
Young Drivers Need the Right Coverage
There are a few things that will factor into the price that younger drivers pay for car insurance. Young people who own their own cars will have different insurance requirements than young people who drive their parents' cars. With insurance the little variables are very important when it comes to determining the rates that will be paid. If you purchase a new vehicle and it is being financed, you will be required to have adequate, comprehensive insurance that will cover the cost of the car in case of an accident. Three of the most common types of insurance are:
Third Party Only
Third Party with Fire and Theft
The level of coverage that will be required for your insurance policy will depend upon some of the factors discussed so far in addition to other information that your insurance company will collect.
Some Extra Coverage You Can Consider
There are extra levels of coverage that many people like to get for their car insurance policies. Many people like the security of having breakdown coverage. Car repairs can get expensive and having breakdown coverage helps take some of the bite out of having to get repairs done. Courtesy car coverage is another popular option. In cases where a car breaks down or suffers damage in a wreck, a courtesy car can be a real life-saver. You should assess your needs and decide upon any extra coverage that you may want to get when you make your final decision about car insurance.
Methods to Bring Costs Down
Parents can have a young driver enroll in and complete a safe driver's course to bring insurance rates a little lower. If your kids are new drivers, their grades can help bring in lower rates if they have a good GPA. If the vehicle that a young driver will be getting insurance for includes additional safety features or security features the price of insurance can become significantly lower as well.
Young drivers should be sure to get the full amount of coverage that they need. Do some comparison shopping and know what you want in order to be an informed shopper. Doing these things makes finding cheap insurance for young drivers a lot easier.
Young Insurance Drivers
Getting the cheapest car insurance for young drivers is many parents dream. Quite frankly teenage and young adult drivers are expensive to cover. They tend to get in more accidents and are less careful on the road than more experienced drivers. However, there are ways to lower your coverage costs but they may not be easy.
Many young drivers never think of what problems and circumstances they will bring to their parents. Some young drivers are cautious when they drive in order for them to get a good record which will help them get cheaper car insurance for their car. If your car is in older model, your insurance will be cheaper and just be sure to have some devices such as theft alarm and other car devices needed to lower your car insurance cost.
Parents know that car insurance for young driver cost a lot but there is always a way where you can have a cheaper car insurance through your achievement in having a good grade, shop around for car quotes, having a low speed model of car, taking driving lessons, and install some safety devices for your car, etc. As what people used to say, if there's a will, there's a way and that's right.
Statistically, young drivers are prone to accident and that is the reason their car insurance has a higher cost compare to matured people. So the comprehensive type of insurance is best for the young drivers since it cover both your car and other vehicles if ever they have an accident or with alternative, third party wherein fire and theft will cover the cost incurred by other drivers if you have an accident or theft of your car.
If you can afford, why take the cheapest one with limited coverage, instead take the best insurance where in all best coverage is covered. If your car is new model, so expect the premium to be high and for sure you want the best car insurance coverage for it, that if you can afford.
To the people, car for them is necessity in order for them not to be late in school and work but to some, car is luxury for them for the reason, they don't only have one car but two or three and even in a short distance, they like to drive their car instead of walking. Like everything else, there are always advantages and disadvantages.
There are lots of companies which offer affordable premium to young drivers even they are considered as one to be a high risk for the reason of lack of driving experience. One way to find that companies is to shop around, locate them.
Since most young people are now wizards with computers, then perhaps they can log in and explore different car quotes websites, where the cheapest car insurance companies can be found. One important thing for the young driver to know is to maintain a good clean driving record with no traffic violations or accidents.
Getting started with car insurance quotes for young drivers is actually really easy. Just be sure that youcompare car insurance quotes before you decide to buy one policy. You don't want to end up paying more than you have to. And while, you're at get a quote for yourself too. For more or to get quotes right away see Gordon Smith's website or click on the links above.
Article Source: http://EzineArticles.com/?expert=Gordon_H._Smith
Young Insurance Drivers
Thursday, July 29, 2010
Young drivers are expensive to insure because obviously they lack experience in driving, so insurance providers are not lenient on the price for giving them coverage. They are aware that these kids can often be persuaded into careless driving by their peers by turning the radio loud, engaging in noisy conversations, using cell phones and losing concentrations on the road. These are the some common manners of teenagers that may lead to accidents, that's why insurance companies charge higher rates for teens.
But these high premium charges can be decreased when the policyholder is dealing with the right insurer and knows what to look for and expect. There are ways to get the company to scale back the price some for your teen driver, which could leave you possibly paying less than his friends do. Some ways to get cheap insurance for young drivers include being involved in your young driver's life by setting ground rules to eventually see lower rates, while other ways will require your sole attention and careful planning.
One of the factors that could lower insurance premium is by having a clean driving record. Keep your driving record clean by not getting into accidents or receiving tickets. Remember that it takes time for these flaws to be erased from your record, so your cost of insurance will be high for as long as they stay there. It's best to not get any negative marks or points on your record.
Another thing is by getting good grades. Insurance companies believe that students who perform well in a high stress situation, such as taking an exam or writing essays, will also perform well in other high stress situations, such as on the road driving the freeways.
It is also important for teenagers to be responsible for instance through paying some of the insurance. By offering to help pay to be insured, you will gain responsibility and help your parents save their own money. This may also help you drive safer since you'd be the one to pay for any hikes in the premium cost due to any accidents or tickets you receive.
It is best to choose the right coverage that pertains to the young driver. For instance, if he is driving a car that does not have a high cash value, it might be wise to drop any comprehensive and collision coverage. Also, before purchasing a vehicle for the teen, talk to your insurance agent to see what type of car would be cheaper to insure. Some providers offer discounts for hybrid cars, while others will tell you to get an inexpensive car to lower your cost. The type of car greatly affects your rates.
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Young Insurance Drivers
Is it possible to get cheap car insurance for a young driver? Well that depends on your definition of cheap. Why is that? Because young teen drivers as a group represent the highest risk group there is for an insurance company.
Young teen drivers are the least experienced drivers on the road. There is a lot to learn about driving and no drivers training school can teach teens about all the situations that will come up in their daily travels. It is only through thousands of hours on the road that you can become a good driver ready to deal with all the challenges you encounter.
Until your teenage driver accumulates those hours and becomes more experienced their insurance rates will be higher than most other drivers.
Teens as a group also get in the most accidents and unfortunately many of those accidents happen to be fatal.
These types of accidents cost the insurance companies a lot of money.
So now that we know why young drivers cost so much let's take a moment to see how we can lower those insurance rates.
One of the biggest factors that determines how much you pay is what kind of car you drive. If you want a "cool" teen car like a Camaro, Mustang, or Subaru SRX then you will not have cheap car insurance. These types of cars encourage reckless driving and more aggressive driving and of course the insurance companies see this and the rates are high.
Whereas if you go with a more sensible car like a Corolla, Camry, or Taurus then you can get cheaper rates. These are more family type 4 door sedans and they usually cost less to insure.
The next factor is what kind of coverages you need on your teen's car. A late model car with liability only will save you a lot of money every month compared to a newer car that has comprehensive and collision coverages.
If you do have to have full coverage then see how much you save with the highest deductibles available.
Another potential option is changing your young drivers driving status when they go away to school and are not driving a vehicle or have no access to a vehicle. You may be able to put them as a non operator or get a discount for them being away at school.
There isn't too much options for getting cheap car insurance for young drivers but it does not hurt to shop around among the major insurance companies. You may be surprised to find a better deal you were not expecting.
Young Insurance Drivers
Wednesday, July 28, 2010
Can You Find Affordable Car Insurance for Young Drivers?
One of the only things that is tougher than getting a teen or young adult trained to be a good driver, is to get them insured at an affordable price. Insurers see teens and young adults as high risk drivers, and young males are even judged more harshly than young females. This is not an arbitrary judgement, but it is a judgement that insurance underwriters reach after keeping years of statistics on the amount of claims that are made because of younger drivers. As a group, drivers under 25, just tend to be a higher risk group. So insurers may charge more to insure them.
Teens and Young Adults Have Strengths Too
A younger driver does not have to be a bad driver. Think about the strengths that teens have over their middle aged parents. It is likely that their reaction times and eyesight are better. All they lack, really, is experience in real world driving situations. They may also tend to lack a bit of caution Because of this, more teens are bound to make mistakes than older and more mature and experienced drivers.
Discounts for Young Adult and Teen Drivers
Here are some things a younger driver can do to make up for a lack of experience and maturity.
- Drivers Education Classes - These classes combine classroom an vehicle training from a qualified teacher. They should also include sessions on alcohol and drug awareness. They do help, and since insurers recognize this, many companies offer auto insurance discounts for students who complete a drivers education class.
- Good Grades At School - Since your young.driver lacks any driving history of their own, they may demonstrate responsibility in another way. Some insurers offer a discount for students with a B average or better. The statistics on accidents that these companies keep show that students with better grades tend to show more responsibility about other things too.
- Keep Up A Good Driving Record - As time passes, and a younger driver simply goes without an accident or traffic violation, rates will drop.
Family Discounts That Help Find Lower Rates for Younger Drivers
Of course, it is probably easiest to get better rates by including the younger driver on the family auto policy. Discounts that the whole family gets will help keep rates more affordable. Many insurers offer discounts that will apply to everybody on a family policy.
- Multiple Policy Discounts - Many insurers offer a discount for multiple vehicles or drivers. In addition, insurance companies that offer home and car insurance will often offer a discount for different lines of business.
- Safety Discounts - Premiums are also set by the type of vehicle. Some are just considered safer than others. Insurers even consider factors like how likely a specific model of car is to get stolen. Auto safety and anti-theft devices are also common. If you are shoppng for a new vehicle these are things to consider. If you have a car already, you may want to see if you can install an anti-theft device to bring rates down and make that car more secure.
Liability Only Auto Insurance
One solution to very high premiums may be to purchase an older vehicle. If you can pay cash for the car, you can just buy liability insurance. If you owe money to a lender, that lender will probably force you to purchase collision and comprehensive insurance too. Sometimes they even require GAP insurance, and this is an extra expense. This solution does not work out for everybody, but it is something to consider.
Find The Best Car Insurance Rates for Young Drivers
It can take forever to call around for the best rates and policies for your family. We make it simple to compare insurance quotes with our online competitive quote forms!
Learn more: Under 25 Auto Insurance.
Article Source: http://EzineArticles.com/?expert=Marilyn_Katz