Cheap Teen Auto Insurance

...now browsing by category

Learn how to get cheap auto insurance for your teenager.

 

Best Car for Teens

Friday, April 9th, 2010

This question is often asked from one parent to another. “What is the best car I can get for my teenager?”

Parents and teenagers have completely different objectives when choosing a car. Generally a male teenager will want a car that looks good, fast, has room for friends, and girls will opt for a “cute” car instead of caring for speed. The first thing the parent will consider is the car’s safety, then cost and then reliability. Parents will want to buy something that is safe, cheap and fairly reliable with low maintenance costs and cheap auto insurance.

Here are some popular cars for teenagers:

Honda Civic – This is the most popular car among teens — and parents. This car has almost all of the qualities desired by both teens and parents: economy, style, safety, reliability, performance, low insurance rates, good size for passengers, and driving comfort. There are tons of accessories, custom appearance products, and performance options for the Honda Civic. Base price for a new Civic is about $14,500. The new re-styled model has won Motor Trend magazine’s “Car of the Year” award and is a Consumer Reports Magazine Top Pick award. Honda also produces a fuel-efficient hybrid version of this vehicle, at a slightly higher cost. Used models of the Honda Civic are readily available, reliable, and hold their value very well. For a car with similar qualities, but larger with more interior room, consider the Honda Accord

Scion – Toyota has created a line of popular vehicles that specifically targets young drivers. The Scion is full of standard features, and optional features, that appeal to teens, is relatively inexpensive, and has a good-performing and fuel-efficient engine. It also has some great safety options such as side air bags. Although not outstanding performers, and ride comfort is lacking, these are typical Toyota high-quality vehicles at base prices that start at about $15,570 for the xB, $14,650 for the xD, and $16,000 for the tC. The economical xA model is no longer made, but is available as a used car.

Honda Fit – This small 4-door hatchback is a winning combination of Honda reliability, comfort, interior space, features, and safety equipment — and a whopping 34 miles per gallon of gas on the highway. It’s a fun car that also will haul a teenager’s stuff — and lots of it. It is also safe and relatively cheap to insure and maintain.

Toyota Corolla – This Toyota vehicle shares many of the characteristics of the Honda Civic and is a favorite among teenagers as both a new and used vehicle. It’s reliable, with good performance, has plenty of room inside, and there are many options from after-market companies for styling and performance improvements. Buyers of this vehicle, and others in our list, should consider getting the stability control option when available. It’s one of the most effective safety features being offered on cars today. The Corolla is priced at about $13,700 for base models. If the Corolla is not quite large enough, look at the Toyota Camry, one the best-selling cars in America for the last few years.

Nissan Sentra -This is a sensible car for teens, having many of the attributes of the Honda Civic and Toyota Corolla, but a little less style. It’s comfortable, but with a harsh ride and little room in the rear seat. However, it gets good gas mileage, is reliable, enjoys relatively low insurance rates, and is priced at about $12,700. Used models can be found at good prices.

Mitsubishi Lancer – This is a very popular vehicle with teens, especially the turbo-charged Evolution, although it might not be the first choice of parents. It’s stylish and looks cool, besides being a super performer. There are lots of add-ons and custom equipment for this vehicle. It even has it’s own magazine aimed at young drivers of this vehicle. Watch out for reliability problems and higher insurance costs. The Lancer starts at about $14,300 for the basic model.

Ford Focus – This is a fun and sporty car that teenagers like. It has a firm but comfortable ride and a number of engine options. Interior material quality appears cheap but functional. There are no less than 12 different variations of this model that should allow almost any teen to be satisfied. Prices start at about $13,300 for base models. Ford’s reliability has improved dramatically in the last few years. You can’t go wrong with this nice little car.

Mazda3 – This vehicle is an excellent small car with good interior space, good performance, and good quality. It comes in both a hatchback and sedan and starts at about $13,700. New models are very stylish and youth-oriented. Prices for used Mazdas are very reasonable.

If cost is not a big factor, here are some nicer and safer cars for a teenager.

BMW 3-Series – This is one of the most popular of all sporty luxury cars, for a good reason. It’s fun to drive, is a great performer, and fuel economy is good — and it looks good, as a “bimmer” should. It’s available as a coupe, sedan, or a convertible. Used models are available for good prices.

Mercedes C-Class – This is a popular small sports sedan with young people who like a car that’s fun to drive and exudes luxury and class. It’s comfortable, roomy, and handles well on the street or highway. It also enjoys a good safety rating and is relatively economical to own.

Acura TL – This car is consistently rated very high as having the best blend of all characteristics that one would want in a car. It mixes luxury features with comfort, performance, handling, and sportiness. It’s one of the most reliable models on the road.

Audi A4 – This vehicle is available as a sedan and convertible. It is luxurious and stylish with excellent driving characteristics. A wide range of features, options, and transmission choices are available. Crash-test results are impressive. Reliability is average.

Lexus IS – It’s a Lexus with all the quality and luxury that Lexus offers, but it’s not the Lexus that grandfather drives. It is a small safe sports sedan that has the performance, looks, and comfort that young people enjoy. A high-performance V8 version is available but watch out for high insurance rates.

Tips on Keeping Teenagers Safe Behind the Wheel

Friday, April 9th, 2010

Car crashes are the nation’s #1 killer for teenagers. Every year, nearly 5,000 teenagers are killed in car crashes and nearly 375,000 injured. Making sure your teenager is safe behind the wheel should be your number 1 priority.

Here are some help tips to keep your teenager safe:

• Discuss when, where, how, and with whom your teen is allowed to drive.
• Limit the number of passengers in the car. Laughter, music, and cell phones can create serious distractions which increase with every additional passenger.
• Establish and enforce a curfew.
• Insist that your driver (and all passengers) wear seat belts at all times. They may not be cool, but seatbelts save lives. (And, in some states, it’s the law.)
• Create a no-cell zone. Talking on the phone is a dangerous distraction on the road for drivers of any age. Know the applicable laws in your county or state,        as these are changing rapidly and fines can be significant.
• Consider limiting or supervising your teen’s driving privileges during accident high-risk times (such as Friday and Saturday nights).
• Set driving-area limits. If your teen wants to travel outside your town or city, require that he or she request your special permission.
• Prohibit driving under the influence of drugs or alcohol. Prohibit riding as a passenger with a driver who’s unfit to drive. Encourage your teen to call for a          ride home if needed.

Remember always to have property auto insurance. For more information on how to obtain cheap auto insurance for teenagers, please to the “Cheap Teen Auto Insurance” section of this site.

Poor or Bad Credit Means Higher Auto Insurance Rates

Thursday, April 8th, 2010

When trying to get cheap auto insurance, you need to have excellent to good credit for you to be eligible for the lowest possible rates. Having poor or bad credit often times affect your auto insurance premiums.

Here is why auto insurance companies like people who have good credit. Studies have shown that if you’re conservative with your finances, you manage your finances and credit well, typically, you’re also going to be an individual who is less likely to be involved in an accident.  You’re going to be someone who is more likely to obey speed limits. You’re going to be someone who is less likely to drive impaired. You’re going to be less likely to be someone who fails to perform maintenance on your car.

Auto Insurance companies believe that people with bad credit generally make more claims then people with good credit.

Always be sure your credit report is accurate before you get an insurance quote.




Cheap Auto Insurance for Teenagers

Thursday, April 1st, 2010

Generally the words cheap auto insurance and teenagers do not go hand in hand, but in this article I am going to explain to you what you can do to get the cheapest available insurance for your teenager.

Teenagers love the sense of having freedom. Turning 16 and being able to get your license opens up a whole new world for them. Often times when a teenager gets behind the wheel of a car, they feel that they are invincible and causes them to take risks that an experienced driver won’t. Auto Insurance companies realize that and that’s why insuring a teenager is often times a lot more expensive then insuring a middle age adult with a good driving record.

Many auto insurance companies consider people under the age of 25 in a higher risk category for vehicle accidents. Getting in an accident as a teenager could skyrocket your premiums up by 50% to even 100%. Young people in the ages of 15-20 die from car crashes more then anything else. This makes a teenager a serious threat to someone on the road which is why teen auto insurance premiums are high, but don’t be too discouraged! I will show you what you can do to lower those premiums!

As a teenager this is how you can get a cheap auto insurance quote.

  1. Keep a good driving record. Having multiple speeding tickets and accidents will not look good at all. Many accidents are from teenagers speeding and when you get speeding tickets, the insurance company is going to consider you as a risky driver and raise your rates. DWI (Driving While Intoxicated) or DUI (Driving Under the Influence) will make your rates skyrocket as well. Its very possible, your premiums could double and you might even lose your license, so keeping a clean driving record is very important if you want to keep those premiums down.
  2. Drive a Safe Car. Having a newer car with advanced airbags will help lower your premiums as much as 50%! Insurance companies know that if you were to get in an accident, it will be a lot less likely for you to get injured then in an old car with no airbags. Having a high horsepower sports car or a SUV will increase your premiums and insurance companies see those cars being more risky for teens to drive.
  3. Getting Good Grades. Doing well in school and having a 3.0 or higher GPA will help lower your insurance rates up to 10%. Insurance companies reward teens with good academic performance. This is a good motivation for teenagers to get good grades because it helps save money
  4. Take a Defensive Driving Course. Having taken a defensive driving course shows insurance companies that you are trying to be a safe driver to avoid accidents. This will also help in getting a discount. Make sure you contact your insurance company and ask them for a list of approved defensive driving courses you can take in your area.
  5. Get involved in a Community. Last but not least, the teenager can involve themselves in a community such as Eagle Scouts or Girl Scouts. Certain insurance companies will give an additional discount for this because they see the teenager as less risky since they are spending time bettering their community.

Hopefully, this guide has helped you better understand how auto insurance companies view teenagers and what you can do to keep your teenager’s insurance rates down. Please use one of the links at the bottom to run a FREE insurance quote to compare against all the leading insurance companies.

Always remember that driving is a privilege and when abused it can be taken away. Always obey the law and practice safe driving.