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Your Questions About 1 Day Car Insurance For 19 Year Olds

February 17, 2013

Mary asks…

Online driving school for senior citizens with insurance reduction offers?

Hi, we are the citizens of California. Mr. Jack my grand father, 56yrs old. Recently he got traffic ticket for taking wrong ‘u’ turn of car. He can’t sit much time at class room to complete the course for ticket dismissal. I am searching for an online leading traffic school courses and also I heard that there is a special offer for senior citizens like insurance reduction etc. Please any body could provide detailed information about online driving school for senior citizens.

Administrator answers:

Its good to see that grand son searching information for his grand father about the driving school course. Now a days not only Senior drivers, every one doesn’t wanted time to be wasted sitting in long hours in traditional Classroom sessions.

Now the trend has been changed everyone preferring to take ONLINE courses for multiple benefits.

1. Un Limited Log In and Log Out from the course
2. 24/7 Customer Support
3. Interactive Course Modules
4. They can complete the course from anywhere is a leading senior driver training course aging 55 years or more offering traffic ticket dismissal course and along with that they will receive mandatory Auto insurance discount.

Course Description:

California Mature Driver Improvement (Initial Course) – $19.95

If you are age 55 or older, complete this online driver training course to receive a mandatory discount on vehicle liability insurance (as provided under section 11628.3 of the California insurance code). The reduced vehicle liability insurance is good for 3 years after completion of this course.
This course is approved by the state of California (Provider ID: MO327).

Get more information at :

Sharon asks…

I just turn 20 and have NO credit at all. What is the fastest way to build my credit?

someone told me to buy something at a jewelry store and instead of paying them all in cash to say if i could do it in payments. is there any more ideas?

Administrator answers:

While the advice that you’ve been given is technically correct, it is not necessarily good; i.e., department store cards have the highest interest rates, are the hardest to get, and can screw you faster than any other thing. One day late — a holiday where the mail is not picked up for a day and puts your check arriving a day late — will give you a late payment and fees. Not to mention the fact that you are paying $100 for something that only costs $75, and that makes no sense at all.

The very best way to build credit safely — especially in the economic climate in which we find ourselves — is through a secured credit card. There are many, many banks who offer secured credit cards, and this is how they work:

1. Put a deposit into a closed savings account.

2. The amount you deposit is the amount of credit that you will have; i.e., a $500 deposit will give you a $500 limit. A $200 deposit will give you a $200 limit.

3. The savings account is tied to your credit card. Any time you wish to up your limit, make another deposit. If you wish to lower your limit, make a withdrawal.

4. The secured credit card works exactly like an unsecured card. You can use it at any merchant. You will receive a monthly bill. You will pay that monthly bill on time. It will hit your credit as an open line of credit in good standing. No one but you and the bank know it’s a secured card. Even if other merchants did know, they’re not going to care. There’s a little Shakespearian saying, None come amiss so money come withal. In other words, they don’t care where you money comes from as long as it’s green.

5. The best thing about a secured credit card is, God forbid you take a major hit in your personal finances; you lose your job, you become ill, you have to take a leave of absence from work, anything that would make it difficult to pay your credit bill. The credit card is already paid off because all that money is already in the bank. If you had to, you call the bank and say, “Please close my account and send me what’s left over.” It will still show on your credit as a good standing account, closed in good standing, AND you can open it again whenever you’d like.

6. My brother in law had a Cap-One card. He’s 19 years old and they kept upping his limit without telling him. He gets up to a $3,000 limit, now he’s $3,000 in debt, and no matter how much he pays, he’s getting deeper in, not lesser in. And that’s with one card. They won’t work with him, they won’t help him, they won’t freeze his interest, nothing. Had he taken my advice like his brother did, he would not in debt.

Credit is a wonderful thing, but it is not a toy. It is like a loaded gun, and one false shot and you’ve just killed the next seven years of your life. That’s how long it takes to remove something from your credit (unless it’s fraud).

When you go to buy a car, save up your dollars and choose a car that you can pay off completely. This won’t build your credit, but I can guarantee you two things:

One: NO ONE will come to repo your car in the middle of the night.
Two: Your auto insurance will be $60 a month instead of $260, because a car with payments means the bank owns the car, which means you have to have the full ride insurance, which means you have less spending money.

You’ve heard the saying, A bird in the hand is worth two in the bush. That’s right. A car that may not be so pretty that is paid for is better than a car that is pretty that now belongs to the bank because you got laid off. And an extra $200 of me money every month makes for quite a nice life. My sister says to me, Your car is old. I say to her, Yes, but I can get a massage every week and buy lots of clothes, and you can’t. Touche.

People will likely thumbs down me for this, but it took me 20+ years to learn these lessons, so learn from my mistakes. Stay liquid, don’t get into debt. If you must have a credit card, make it secured. Pay cash for the things you can pay cash for. Cash doesn’t bounce, it doesn’t charge interest, you can’t miscount it, you can’t overspend it. You will learn to budget the things you need first and the things you want second, and that will put you YEARS ahead of everyone else.

Good luck.

Donald asks…

Parents of teens; would you let your child ride a motorcycle?

If you had a 17 year old son who wanted a Kawasaki ninja 636, or if your 17 year old daughter had a boyfriend who rode one, would you let them get on it? I’m trying to figure what my dad is going through, being that I’m 17 and just bought myself the kawi ninja 636.

Administrator answers:

I am 18 years old, about to turn 19.
And my boyfriend is a biker :)

His first bike was a ninja too.

He just decided one day that he wanted to buy himself
a motorcycle and teach himself how to drive it.

In the past year of him starting to ride bikes,
he’s bought 3 different motorcycles & loves it.

Anyway, his parents did get him a lot of stress about it.
They yelled at him for almost a week, telling him to take it back.
(That’s their reaction)

For me, about to be a mother soon,
I have talked to my boyfriend about this:
What if our son wants to ride a motorcycle one day?

And our conclusion is that we would like him to be out of high school age.
Or about to finish high school.

The reason why is because when you are in high school,
you are surrounded by a lot of immature high schooler friends
or acquaintances. Especially if you are a boy. Ain’t that true?
These friends may ask/pressure you to do stupid things
or try to do malicious things to you or your bike.
And a lot of them won’t have motorcycles or even cars sometimes.
They don’t understand how to respect other people’s precious belongings are property.
You know how high schoolers are.
I was one just last year, so I’m very aware too.
My boyfriend was a lot of a bad a$$ back in his day before he met me
and still is haha, and he probably would feel differently about his bike
if he had gotten it in high school.
He had a lot of friends, hung out with a lot of dumb ones,
and since then, has grown up so much.
All his friends that he has now are people that respect him in an ADULT way,
probably because they have their own adult problems.

Plus, I go to a big university, and by college age,
lots of people are learning to ride motorcycles and ride them all around campus.
It’s more common, and there is an overall sense of better trust on a university campus
of students than in high school when there are so many delinquent acts.

I think that when… You are 18,
can prove that you are responsible and conscious of your things,
preferably have a job… For in case you get a speeding ticket or something which is likely
you can pay for it yourself. Pay for your own insurance, which is very cheap actually.
When you are out of high school age, you tend to be less stressed with school,
but dealing with some “real life” situations where you grow up some more.
You become more careful with your life and where you’re heading.
You become more careful with ideas of money/making money…
That’s a great time to have a motorcycle!

That’s why I think it’s important to be of a certain age before getting a motorcycle.
This speaking from your own peer group.

When I was a freshman living in the midwest,
there was only one student death that year
(student deaths are common here in nc, but not where I did live before)
And do you know what that boy died from?
The motorcycle his parents bought him for his 16th birthday.
You imagine the horror that his parents faced when he died from that motorcycle.
I bet you to them, they felt like they bought a little kid a gun to play with or something.

I hope you see what I mean,
I’m pretty sure that you are mature yourself if you could even get a bike for yourself
without telling your parents at all.
My opinion is not to attract attention to your bike or you,
by bringing it to school. Ever. It just is not worth it. Plus it’s really loud.
All it takes is for one malicious, jealous student to put up the kick stand and kick it over
for you to regret bringing it to school. Plus a lot of high school kids really can’t drive.

… If you are going to keep your bike,
1. Ride it SOMETIMES as a recreational thing, but plan on driving a car almost most of the time.
2. Do not share your bike with friends… For good reason.
(my boyfriend has let over 5 friends and family members ride his bike and it has been dropped and cracked/scratched several times because of that alone. Even his friends who have experience riding. He’s never dropped his own bike…)
3. Plan to ride your bike a lot more when you’re out of high school :) due to natural changes in lifestyle (more free time, better experience with riding your bike, etc.)
4. You should probably not let anyone ride with you on the back of your motorcycle unless it is a very slow trip around the block… Until you are very confident about your riding abilities.

I almost fell off the back of my boyfriend’s motorcycle going 80+ mph on the highway full of cars..
I would have died, no joke. I only weigh 95 lb. And we hit a bump.
My friend who rides everything known to man told me that in general, you should not ride with anyone on a motorcycle until they have been riding for at least a year.

You just don’t want to be LIABLE in case something does happen.
Motorcycle crashes get ugly.

I hope that my answer is helpful. :)
These are my honest opinions

Sandra asks…

should talking in a vehicle with an electronic device be legal ?

im doing a project and its about pro and con im going “for” the subject and the subject is…
driving in a vehicle with and electronic device …. any ideas ?

Administrator answers:

No. Talking on your cellphone should be illegal in all states because it is a clear distraction to the road, and others around you. Talking or utilizing electronic devices has been the cause of many accidents each year and it has since then become such a problem that there have been public ads that have the goal of discouraging use of cellphones. There have also been states that have made it illegal because of the growing issue. There are no pros to using cellphones while driving. Here are statistics to prove that it should not be legal.

* In 2007, driver distractions, such as using a cell phone or text messaging, contributed to nearly 1,000 crashes involving 16- and 17-year-old drivers.
* Over 60 percent of American teens admit to risky driving, and nearly half of those that admit to risky driving also admit to text messaging behind the wheel.
* Each year, 21% of fatal car crashes involving teenagers between the ages of 16 and 19 were the result of cell phone usage. This result has been expected to grow as much as 4% every year.
* Almost 50% of all drivers between the ages of 18 and 24 are texting while driving.
* Over one-third of all young drivers, ages 24 and under, are texting on the road.
* Teens say that texting is their number one driver distraction.

* A study of dangerous driver behavior released in January 2007 by Nationwide Mutual Insurance Co. Found that of 1,200 surveyed drivers, 73 percent talk on cell phones while driving.
*The same 2007 survey found that 19 percent of motorists say they text message while driving.
* In 2005, the National Highway Traffic Safety Administration found that ten percent of drivers are on handheld or hands free cell phones at any given hour of the day.
* A study conducted by the Insurance Institute for Highway Safety Motorists found that motorists who use cell phones while driving are four times more likely to get into crashes serious enough to injure themselves.

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