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Your Questions About Cheap Auto Insurance For Teenagers

April 5, 2012

Jenny asks…

What’s the best auto insurance for teenagers?

I’m a female, 17 & about to get a car. I was wondering what’s the best/cheapest auto insurance for me to get.

Administrator answers:

Well I really have no idea but before you choose, you can read some information on how to add a teenage driver to an auto insurance.

Mark asks…

is it cheaper to get an auto insurance for your self or as a family?

do you know where a teenager can get cheap auto insurance?
a newly driver?
how do you think it is?

Administrator answers:

I recently got a car and I’m on State Farm insurance. With them you get a discount if you have multiple people on the account, as well as if you have a 3.0 gpa in high school or college. It doesn’t make a difference that you’re a new driver as long as you don’t have any accidents, tickets, or insurance claims under your belt.

Carol asks…

what is some cheap auto insurance for a teenager?

I am 19, and i have a 2004 hyundai tiburon gt, i have a loan out in my name. and I am paying for my own insurance. I pay 6 months, because it is easier for me. I currently have progressive, and they are asking me to pay 900 for 6 months, which is to high since i am now unemployed. The General is asking me to pay 1580 dollars for 6 months. I have not been able to find any realistic prices. I got my drivers liscence in september 09, and i have never had a ticket or accident.


Administrator answers:

I have been driving over 30 yrs and no tickets or accidents and pay 537 for 6 months to insure 2 autos. 900 for underage driver (under 25) for 6 months is below average. What you can do to lower your premium is to up your deductible. Make it 1k or 2k

Sandy asks…

What’s the cheapest auto insurance company?

I’m 24 at the moment, auto insurance is raised for teenagers who are under 25 so i would like to know what is the cheapest auto insurance company out there (i’m currently under my dad’s policy and its off the roof, but not that bad $1300 for 6 months)
P.S. I hear State farm is the cheapest is that so?

Administrator answers:

If there really were one company cheapest for everyone, they soon would be the only one around. So the real question would be what is the best value for you.

To find out, go talk to a local, independent agent, give him your information and let him search his data base to get the best deal for you.

Mandy asks…

How much do you pay for your teenager’s(16) auto insurance?

I just got a learner’s permit, and GEICO says that they do not charge for learner’s permit.

However, when I get my driver’s license, it’ll cost an additional ~$500 per 6 months. I am a straight-A student, records are clean, and I’m NOT adding an another car–just me–into my parent’s coverage. Is this expensive? Normal? Cheap? What do you pay, and what company are you covered by?

Also, deductibles are $1000.

Administrator answers:

When my teen got his driver’s license, his rates were $67 a month through Farmer’s, once he hit 20, they dropped to about $37. I understand our rates are exceptionally low but I guess it’s because we’ve worked pretty hard at lowering our insurance rates!

–Maintaining a 3.0 GPA earns you the good student discount.
–Taking driver’s ed also lowers the rate. Most insurance companies offer inhouse defensive driving program via the web, which can also lower insurance rates. Ask about it.

What your parents may consider is buying you a clunker car–and making that YOUR car. Clunker cars are cheaper to insure (less risk of theft) plus you don’t need to have carry comprehensive. A clunker may run you $1500-2000, but the cheaper insurance will pay for itself in a couple of years.

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