Young Driver Car Insurance Rates in Georgia
Reader’s Question:
I am just wondering why my teenagers auto insurance rates are so high in Georgia?
Samuel
Albany, GA
Auto insurance rates in Georgia are based on statistics. According to statistics show that teens have more incident of crashes. Young drivers have very high rates of both nonfatal and fatal crashes compared with drivers of other ages.
There are newer approaches now such as Canada’s graduated driver licensing that are being enacted to try to reduce teenage crashes and the injuries and deaths they cause.
Teens have more crashes in vehicles whether the rates are based on the total number of teenagers, on miles driven or on the number with licenses. Both miles driven per license holder and license rates are lower among 16-19 year-olds than among drivers age twenty and older (as a group), so when crash involvement is based on the number of licensed motorists instead of total population, the fatality rate of young drivers is even more extreme compared with mature drivers.
Teen Driver Auto Insurance Discounts in Florida
Reader’s Question:
My daughter is so excited about getting her license as she can get behind the wheel of her own car that we will buy for her. I know that the best thing that I can do is to look into the cost of car insurance that covers a teen driver here in Florida. Will I ever get affordable teen auto insurance? Seems the insurance rates are as much as the car payments each month!
Anne
Miami, FL
There’s no question that teen drivers are known as “high risk drivers” by any insurance company, especially in Florida. Not much to your surprise, that means more money to fork out. Also not to keep your hopes up but, you could still be able to get the cost down of your daughter’s car insurance and even give you some extra freedom.
There are simple ways to help you keep your daughter’s car insurance as low as possible. You can add her to your insurance plan. This may seem strange but when she is signed on your insurance plan, it lowers the cost for her even if you are paying for it. If you live a hundred miles away from your daughter’s school, you can ask her to leave her car at home and also allow your insurance company to know about this. It could also reduce the cost of her policy if you can get her ride with you on occasion to reduce the number of miles she goes.
Make sure also that you daughter has good grades as majority of insurance companies will offer “good grades” discount on teen car insurance. The idea behind this is that good students are also good drivers. Believe it or not, but getting a straight B or better is enough to get good grades discount. So I advise you to encourage your daughter to do well in school as she will benefit from it as well.
Maryland Teen Car Insurance – Can I Put My Teenager On My Policy?
Reader’s Question:
Can I insure my teen daughter on my car insurance policy if she does not live with me? She has her own house. We live in Maryland.
Calvin
Columbia, MD
The answer to that question depends on whether you want to insure your teen daughter to drive your vehicle or insure her vehicle on your insurance policy policy in Maryland. You can easily insure her as a driver on your car insurance policy by contacting your insurance carrier to find out their procedure and if there would be any additional premium due. If you want to insure her vehicle on your policy you will need to check with your insurance provider as some of them will not insure cars from more than one household on a single car insurance policy. This might not apply if she is a student and keeping her vehicle away at school.
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