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Car insurance tips videos Adding My 16 Year Old Teenager To My Car Insurance Policy?
Auto Life Motorcycle Home Life Health December 6, 2008 by maricar · Leave a Comment
Filed under: Teenager insurance
Reader’s Question:
I am from Nevada and am thinking of adding my 16 year-old daughter who has no driver’s license yet under my car insurance policy. Would it be a smart move, or would it just raise my car insurance premiums?
I am from Nevada and am thinking of adding my 16 year-old daughter who has no driver’s license yet under my car insurance policy. Would it be a smart move, or would it just raise my car insurance premiums?
Belinda
Reno, NV
The State of Nevada mandates that the minimum age to apply for a full driver’s license is sixteen. With this in mind, your daughter needs to have a driver’s license first before she can be listed under your insurance policy. You must remember that young drivers are expected to meet 50 hours of behind-the-wheel experience, with 10 hours completed in darkness.
Nevada laws also require a licensed driver who is 21 years old or older and has been a driver’s license holder for at least a year seated next to the young driver at all times. If driver education is not available within your area, and you do not have internet access to have your daughter take an online driver education course, your daughter is required to complete 100 hours of supervised driving, with 10 hours of that completed in darkness.
About your insurance premiums, always bear in mind that car insurers generally charge the highest premiums for drivers under the age of 25. A number of factors can affect the cost of having your teen under your policy. These may include your daughter’s performance in school, how often she is accompanied in the car by an adult, or the type of vehicle she drives. Sporty or large cars generally cause more serious damage and will cost more to insure.
If you would really like to save money on your insurance rates, have your daughter take the certified driver’s education course since most car insurance providers give discounts to teens that have successfully completed the course.
Tags: Car Insurance Policy, Car Insurance Premiums, Car Insurers, Driver Education Course, Insurance, Insurance Providers, Insurance Rates, Young Drivers
Teen Driver Auto Insurance in Austin Texas
Auto Life Motorcycle Home Life Health November 9, 2008 by maricar · Leave a Comment
Filed under: Teenager insurance
Reader’s Question:
Hi. We just got a new car here in Austin, Texas. My son has been pressuring us to let him drive. But we’re having second thoughts about it because when we asked for a quote from our auto insurance company, the rates were just too high. Would you know how I can save on teen driver insurance in the Austin area?
Rush
Rush
Austin, TX
Hi Rush. Sadly, getting a teen driver insurance or adding a teen driver to your policy will cost you more than you would expect. The good news is, there are several ways of bringing this rate down for you. So read on. First of all, the best way to get the best rate is to compare between several automotive insurance providers in Austin. Of course, I wouldn’t want you to waste your time going to different offices or making several phone calls. The easiest way to do this is to go online and look for those nifty new websites that give free car insurance quotes. If you have two or more cars, check which car they list your teenage driver under.
There are some companies that will include your teen driver on the policy for your most expensive car, thus giving you a higher premium than if they listed the teen with the cheaper vehicle. If you do this, make sure you don’t let your teen drive the more expensive one. Another way would be to have your teen take some Driver’s Education classes.
Some companies offer a discount to teens who read up on their offered courses. Another way could be to volunteer to pay for a higher deductible. This would cost you if your child ever does get into an accident but would save you on your premiums.
Tags: Auto Insurance, Automobile Insurance, Automotive Insurance, Driver Insurance, Expensive Car, Free Car Insurance, Insurance Provider, Insurance Providers, Insurance Quotes, New Car, Premiums, Several Ways, Teen Driver, Teenage Driver
As a Parent Am I Required To Have My Teen Driver Added To My Auto Insurance?
Auto Life Motorcycle Home Life Health October 28, 2008 by maricar · Leave a Comment
Filed under: Teenager insurance
Reader’s Question:
I live in Evansville, Indiana and my teenage son just got his drivers license. Am I required to inform my insurance carrier that he is already driving?
Ben
Evansville, IN
Yes, most insurance carrier require you to tell them of all licensed household drivers so you have tell your car insurance agent that your son already got his driver’s license. This means that he will have to be listed to your car insurance policy and be rated as a driver in your policy.
Insurance providers rules and guidelines vary but generally insurance providers will require you to add all licensed drivers in your household on your car insurance policy in Evansville, Indiana. Since your son has already obtained his drivers license your car insurance carrier should be informed and they will advise you if you are required to add your son or not, most likely you will have to add him in order for him to have coverage.
An insurance carrier is allowed to consider all resident operators of an insured automobile in rating of a car insurance policy. This includes your teen, even if he has only a learner’s permit.
Tags: Auto Insurance, Automobile, Car Carrier, Car Insurance Policy, Driver License, Driver S License, Drivers License, Evansville Indiana, Household, Insurance, Insurance Agent, Insurance Carrier, Insurance Providers, Learner S Permit, Licensed Drivers, Teen Driver, Teenage Son
Teen Driver Auto Insurance Question
Auto Life Motorcycle Home Life Health June 19, 2008 by maricar · Leave a Comment
Filed under: Teenager insurance
Reader’s Question:
I have two teenage daughters that are going to be 16 in a few months. They will be obtaining their license shortly after that. Will they automatically be insured once they get their license on my insurance policy? They will only be driving with an adult. Do I have to add them on my insurance policy? As long as they drive one of my vehicles are they covered?
Howard
Bridgeport, CT
Insurance guidelines and state laws differ so you will need to inform your insurance company’s agent and discuss the licensing of your teenage daughters and when they will need to be added to the policy.
An insurance company is allowed to consider all resident operators of an insured car in rating of an auto insurance policy. This includes your teens, even if he or she has only a learner’s permit.
Some insurance providers will not require children to be added during the permit stage but will once they obtain their junior, provisional or full license. Other insurance companies have internal guidelines that require you to add your teens as soon as they start the licensing process. If you want to know the state laws regarding auto insurance for teens you can contact your state’s insurance regulator.
Tags: Adult, Auto Insurance Policy, Bridgeport Ct, Insurance, Insurance Agent, Insurance Companies, Insurance Company, Insurance Guidelines, Insurance Providers, Insurance Question, Insurance Regulator, Learner, State Insurance, State Laws, Teen Driver, Teenage Daughters, Teens
Auto Insurance For Teens
Auto Life Motorcycle Home Life Health May 28, 2008 by maricar · Leave a Comment
Filed under: Teenager insurance
Reader’s Question:
I am 17 years. old and have no driver’s license or permit yet. I am having hard time finding information concerning car insurance options that would be available to me, so that I can get my license. Can you please give me any suggestion regarding this?
Jim
Detroit, MI
Typically, if you are residing with your parents, they can request their insurance company to add you to their policy once you are permitted or obtain a junior or full license. Insurance carriers differ about if they will require you on the car insurance policy with only a permit or will wait till you are licensed.
If you live on your own, as a inexperienced and young teen driver without a full license or even permit, it can be hard to find car insurance. Probably, you can get an insurance policy but most insurance providers will want you to acquire a full license within 30 to 45 days from the inception of your policy. If you cannot obtain a regular license by that time, then the insurance policy will cancel.
Some insurance companies might require you to list a fully licensed motorist of 21 years of age or older on the policy with you.
Tags: 17 Years, Auto Insurance, Cancel, Car Insurance Policy, Finding Information, Hard Time, Inception, Insurance, Insurance Carriers, Insurance Companies, Insurance Company, Insurance Options, Insurance Providers, License Insurance, Parents, Suggestion, Teen Driver, Teens Categories
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