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i need auto insurance any suggestions which company truly saves you money ?
As the student drivers parent, is my current auto insurance coverage in effect and still valid (for me and my 16 yr old) when my 16 year old student driver is driving my vehicle (supervised driving\practice), even though I have not added them as a driver on my auto insurance policy. We live in Illinois. After the student driver receives their official drivers license am I required to add them as a driver to my auto ins policy, or am I and this new driver still covered by my policy because I have given them permission to operate my vehicle?
If you are a teen-age driver or if you are a parent trying to help your child find good auto insurance, then you know how expensive it can be. Inexperienced, young drivers are statistically more likely to be involved in a collision. Young male drivers are seen as a very high risk. Consequently, the auto insurance carrier will require higher insurance premiums. If you are searching for ways to stretch your household budget, knowing how to find the lowest auto insurance premiums will certainly help.
Nearly every insurance company offers discounted rates for particular portions of the policy. You need to know what to ask. The amount of the discount, and the exact types of discounts, will vary from one company to the next, which is why it is a good idea to get multiple quotes. If a young driver is on the same insurance policy with parents who have a clean driving record and already low rates, this will be less costly than a young driver getting his or her own policy.
If you are a student who maintains a ‘B’ grade point average or better, most insurance companies will offer discounts on your car insurance. The logic here is simple and statistics prove the validity: young people who earn and maintain good grades tend to be more responsible and mature. Translation? Responsible and mature young people are usually not risk-takers when they get behind the wheel. Less risk means lower insurance rates.
You can expect to get lower rates with most companies for taking a certified driver education course. Be sure to indicate that you have done this and make sure that you can provide a certificate proving completion of the classses.
Auto insurance companies will also offer lower rates to people who do not drive very often. The details will be different from one to the next, but be sure to investigate. Occasional drivers inherently carry less risk to the insurer.
Never underestimate the importance of getting multiple quotes. Comparison shopping will reveal the best auto insurance rates for your unique situation. Since each individual insurance carrier uses slightly different criteria, the resulting premiums will vary, based on the driver and the individual circumstances. (So even if your friend has a great low cost auto insurance plan, that same company will not necessarily offer the same low rate to you.)
It is a relatively straightforward process to obtain multiple auto insurance quotes online. Set aside ten minutes of your time to enter information about your specific needs and situation. Whether you are a young driver, or looking to reduce the costs of insuring a student driver, you may be pleasantly surprised by the savings.
10pts to best answer. Question about auto insurance policies?
I just earned my drivers liscence. My father is dreading the cost of adding another driver to the family auto insurance policy. What are some discounts that many insurance companies offer that might help save my dad some money when the premium is due?
Details below if you do not know which one I am referring to?
I'm not talking about the cliche "low cost auto insurance" that is available to everyone. etc…I'm talking about a specific plan offered by the state of California available at some insurance offices for low income individuals. I found one office with it, it isn't close enough, does anyone know of any more offices ?
"The California Low Cost
Automobile Insurance Program (LCA):
The California Low Cost Automobile Insurance Pilot
Program, created in 1999, established a low-cost
automobile insurance policy for residents of Los Angeles
County and the City and County of San Francisco.
California Law requires that all drivers be insured.
However, too many low-income drivers remain uninsured
because the costs of standard auto insurance premiums
are beyond their financial reach. The program’s purpose
is to provide low-cost automobile liability insurance to
good drivers who demonstrate financial need.
I am trying to find out if Farmers auto insurance settles quicker than Nationwide insurance and vice versa. I have Farmers auto and home insurance now and considering a move to Nationwide.
