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.

My name is Errol and I’m from Anaheim, CA. My dad has a Mustang (ya baby!) but he uses his hybrid to and from work. I am going to get my license three months from now, and I plan to use that mustang (baby!) every chance I get. Is my dad going to pay more if he adds me to his insurance policy? Can you help me get a lower rate quote or at least tell me where to go to get the cheapest auto insurance I can possibly get for this car…and my age, I am only 18.

Errol

Anaheim, CA

Errol, Errol, Errol, according to statistics, and insurance companies believe in them with uncommon fierceness, teenagers are a reckless lot. They were the ones who coined the phrase “pedal to the metal,” and they are not known to be experienced drivers. Your dad will pay more because of these statistical data. He will pay more because the risk factor just got colorful.

I assume that you are already driving the Mustang (Baby!) every once in a while but with a “chaperone.” When you get your license three months from now, the cost of insurance will increase even more (not to mention your dad’s blood pressure) because you will then be able to drive the mustang (baby!) by yourself most of the time. teenage drivers, premium will increase; teenager with a license, more increase.

Again, this is about the colorful risk factor and statistics that I told you about. As disheartening as it sounds, the price will not be as high as getting your own policy.

All in all, your dad’s insurance will increase but it will not be as expensive as getting you your teen car insurance. Drive around Anaheim and enjoy your Mustang (baby!) but please don’t make your dad get a drunk driver insurance.

I have a teenager driver and I am just wondering how I can find out if my teenager has ever received any ticket for any kind for any reason, here in Georgia? We live in West Dougherty, will this affect my insurance rate?

Jane

West Dougherty, GA

There are a few ways in which to obtain a copy of your own MVR or driving history in Georgia. To get your teenage child’s driving record in West Dougherty GA it appears that you will need their authorization. If your teen will permit you to check their record you should be able to see at their driving record online, via mail or in person.

A Georgia Driving History Report (MVR) can be bought in person at any Georgia DDS customer service center location. You will need proper identification and the cost is $5.00 for a three year record and $7.00 for a seven year record.

If your teenager child does not allow you authorization to look at their driving record so you can check if they have any traffic violations or tickets on their Motor Vehicle Record, you may want to verify with the GA DDS to check if there is any way to see the MVR without the child’s consent.

What average grade point does a seventeen year old boy in Madisonville, Kentucky have to have for car insurance discounts?

JImmy

Madisonville, KY

I am not aware of certain grade point average that a person must carry in order to be able to have car insurance in Madisonville Kentucky. The state of Kentucky does have a form of the No Pass, No Drive law though that authorizes the Kentucky Transportation Cabinet to have administration regulations with regards to a minor driver licensing applicant.

This administration regulation, KRS 186.400, requires participating schools to inform the Transportation Cabinet if a teenager withdraws from school or is academically deficient. Therefore as 17 year old and are deemed to be academically deficient and you drop out of a participating public school or you will lose your driver’s license.