Hello! My dad recently bought me a used Honda Civic. I am still a freshman in college and was wondering how I can reduce the high cost of auto insurance since I’ll be the one paying for it. Are there discounts for cheap car insurance for college students?

Richard

Miami , FL

Cheap car insurance for young drivers is still possible to find these days. The first step is to go to an online car insurance comparison website. Fill up the form with your personal and vehicle information and once you done that, submit it and a list of car insurance company will show you their on going rate. Just take note of the most inexpensive rate because it still doesn’t end there. The insurance quote you got is just an idea on how low your insurance rate can be. You can still lower that quote by doing the following:

• Save money on a savings account so you can increase your deductible. A higher deductible means lower insurance premiums and you’ll be confident in an event of an accident because you know you can cover the high deductible amount that you choose.
• If you learn how to drive from a relative or a friend, learn and get a defensive driving certificate to lower your premiums.
• Cheap car insurance for young drivers means sticking to a low profile car. Don’t think you can have a fast and powerful car and at the same time asking for a cheap car insurance.
• If you still live with your parents, register the vehicle under their name and get a discount for being in their insurance policy.

Cheap car insurance for college students is achievable but you need to allocate your time and you should be ready to work for it.

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

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.

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.

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.

I’m required to carry an sr22 certificate. What happens if I ignore this? Will my license be suspended? What will happens if I turned 21?

Lala

Thank you for asking Lala.

If your state has required of you to prove your financial responsibility with a SR-22 certificate and you decided not to, then it is likely that your license will be suspended or even revoked. State laws differ so you would have to contact your Department of Motor Vehicles, or similar entity, to get more information on the specific penalties you would be facing with.

Your driving history follows you no matter your age so your license would stay suspended or revoked most likely until you get the SR22 for the required amount of time and take care of the infraction to the terms that the court or DMV compels you to. If you turn 21 it is not likely to change anything in most any state.

Goodluck!

MariCAR

Im 19 years old and I need an sr22 insurance certificate. If my parents has full coverage, do I still need it?

Paul

Thank you for asking Paul.

A Sr-22 is a proof that you have a certain type of insurance. It is a certificate that an insurance provider files with the state. This is a a certificate that shows proof to the Department of Motor Vehicles, stating that the individual is meeting the states requirement for auto liability insurance. In addition to that, sr22 certifies that a motorist has the ability to pay future claims up to the state required limit.

It looks like the state in which you are residing is requiring you to acquire a SR-22 due to a traffic offense, accident or failure to show proof of insurance previously. The reasons may vary from state to state

Even with your parent’s having full coverage, which typically means state minimum required liability, if the state requires you to obtain the SR-22 to reinstate your license or for any reason, you will need to do so in order to have driving privileges.

Goodluck!

MariCAR

Am I automatically required to carry an sr22 when I get convicted of DUI? The court never mentioned about me getting an sr22. Im 16 years old and Im planning to purchase a car. Thank you.

Karen

Thank you for asking Karen.

An sr-22 is a form which must be filed by the insurance provider stating that car liability insurance is in effect for a particular individual. It is required when auto insurance is provided to an individual who was in an accident or was convicted of a moving violation and was unable to show proof of financial responsibility at that time. In this case, you will need to show financial responsibility at the time you received your dui. If you fail to show any proof of financial responsibility, your state will probably require you to carry an sr-22 and its insurance. To verify if you will need this coverage, you will need to contact your state’s Department of Motor Vehicles.

Goodluck!

MariCAR