How Can a Teen Driver Get Lower Auto Insurance Rates
Reader’s Question:
I am going to get my driver’s license here in Wisconsin very soon. I know I will be added to my dad’s policy since I am a licensed driver now. Is there any way I can soften the blow to the auto insurance premiums he’s going to be paying since I am a teen driver and the rates are much higher?
Harold
Milwaukee, WI
You are right. Your inclusion in your dad’s auto insurance policy will raise his auto insurance premium. When a teenager is added to somebody’s auto insurance policy, and I assume that’s what you are, that somebody’s risk factor is affected negatively. Teenagers are statistically known to be reckless and inexperienced–not a very good combination. Your willingness to minimize the effect of your inclusion to your dad’s auto insurance, however, is commendable and a good sign.
There may be some things a teenager can do to minimize this negative impact on your father’s auto insurance premium rate. Of course, you’ll have to check this with your father’s auto insurance company in Wisconsin. You may enroll in a driving school that is acknowledged by your dad’s auto insurance company. Usually, auto insurance companies extend discounts to those drivers with defensive driving backgrounds. Having good grades at school can also help your dad. I’m not talking about your dad’s peace of mind about your academic performance, but auto insurance recognizes the link between diligent students and good driving habits. They believe that students who do well in school, those maintaining a B average or higher, will be very responsible on the road.
Ask for discounts, you never know what you might be able to get and how much you can save by asking. Some popular discounts can be given for:
1. Military personnel
2. Good grade students
3. Union membership and bank member affiliations
4. Safe drivers with no claims in last 7 years
5. Defensive driving school attendance
6. Clean credit history – used by many carriers to determine payment risk
Although adding you to your dad’s insurance will raise the auto insurance premium, it is usually cheaper than having your own auto insurance coverage. And you can tell your dad that.
Cheap Teen Automobile Insurance New Jersey
Reader’s Question:
We purchased a new vehicle for our seventeen year old daughter and we would like to get a separate car insurance policy for her so we will not be liable if anything happens. But our car insurance company in Paterson, New Jersey said that we will still be held responsible in case of accident, is this correct?
Anna
Paterson, NJ
Generally, yes, it is true that you will still be responsible as parent to a minor. In many states, a minor will require consent from their parents. In most states, a teenager will need to get their parent’s consent form before they can get their drivers license that state that parent’s will be held liable for any negligent acts that will cause damages.
In the state of New Jersey, I not aware of any age restrictions on getting car insurance if you only have provisional license or learners permit. Normally you will need to have your parent’s consent before you can purchase car insurance if you are still a minor since you will need to sign to a legal binding paperwork. So, if you are still seventeen years old and planning to purchase car insurance in New Jersey, then you would need to have your parent or legal guardian to sign the car insurance policy with you.
It is much cheaper to add your child in your car insurance policy in Paterson, New Jersey than having a separate car insurance policy for your daughter. You may consider to get umbrella policy to protect your assets.
Georgia Teen Driver Insurance – Will A Speeding Ticket Affect My Rates?
Reader’s Question:
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 Is Required For Student Driver Insurance Discounts in Kentucky
Reader’s Question:
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.
Teen Driver Car Insurance Rates With MIP
Reader’s Question:
How much will auto insurance go up if a teenager, 17 years old gets an MIP in Michigan?
Bill
Dearborn, MI
If you are a 17 year old that is cited for being a Minor in Possession (MIP) in Michigan it will likely your increase your car insurance rates. How much the auto insurance rate will go up depends on the factors your insurance provider uses. Auto insurance for drivers under the age of 25 or teenagers are already consider inexperience and therefore a higher risk. With a MIP offense the risk factor is likely to go up.
There is no specific insurance rate increase that can be generalized or stated for all insurance carriers. Each insurance carrier is required to file their car insurance rates and rules with your state regulatory body. So the best way to determine how much your auto insurance rates may rise is to talk to someone at your insurance carrier or contact the insurance regulator of your state to see what rates are filed with them for your insurance provider.
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.
Cheap Teen Car Insurance in Chicago – Adding New Driver
Reader’s Question:
How much does your auto insurance rate go up when adding on a new teenage motorist in Chicago ? Can I get a range.
Elizabeth
Chicago, Illinois (IL)
Since teenagers that are newly licensed have such high rates of accidents that is why they cost more to insure than an experienced motorist who is more prone to avoid an accident than cause it.
The costs of adding a teenager in Chicago IL will depend upon your your geographical location, your current car insurance rates and your teen to name a few. For example if you reside in a congested area where your teen is more likely to be involved in an accident compared to a more suburban or rural area the insurance rate to insure your teenager will likely be higher.
Basically if you add a young driver in Chicago IL, it may cost $1200 to even $2500 a year. A 16 year old, on the average, can expect to pay 2.52 times the base rate for their car insurance. So if you as a parent of a teenager now pay $500 for a year of auto insurance, then adding a 16 year old newly licensed teen driver onto your policy could raise your insurance rates to (again on average) $1260 for a year of auto insurance.
What Is The Penalty For a Teenager To Drive Without a License?
Reader’s Question:
What will the penalty be for a minor that is driving with no license and no insurance and hits someone?
Gerald
Thank you for asking Gerald.
It varies from state to state when it comes to penalties for driving without an insurance or a valid license. The penalties may include fines, jail time, community service, vehicle impoundment, license and registration suspension to name a few. Some states may do a combination of these punishments.
The consequences for this conviction is considered a serious offense especially if you got involved in an accident and do not have insurance. You may have to comply with the financial responsibility laws. This will also includes having to pay for any injuries or damages from the accident out of your own pocket.
These types of violations as a minor may permit your state’s licensing department to delay your application for driver’s license from going through once you do apply. In addition to that, these convictions will likely go on your driving record. Even being a minor without a license does not stop your state from starting a driving history to record these infractions.
If you were convicted for these offenses, to make sure what your penalties are , contact the court listed on your ticket and/or your state’s Department of Motor Vehicles.
Goodluck!
MariCAR
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