Reader’s Question:

I gave my son his car so that I wouldn’t need to take him to and fetch him from school here in Georgia. How does student automotive insurance work?

Agatha

Atlanta, GA

Agatha, if your son is a first time driver, this may spell trouble for your finances because teenage automotive insurance do not come in low prices. This is because teenage drivers are considered high-risk drivers by automotive insurance companies due to the high number of accidents involving teenage drivers.

However, there are steps you can take in order to turn your expensive teen automotive insurance to a cheaper one. So, what are these steps?

Include your son in an existing automotive insurance. This is going to make you eligible to avail of discounts. Discounts are available for multiple drivers, multiple vehicles and multiple policies in an insurance company. You may want to take advantage of this.

Also, since your son is a high school student, you should make sure that he gets good grades in school. You might be puzzled by the connection of this to your teen’s automotive insurance premium. The logic behind here is that automotive insurance companies would view your son as a responsible kid who is thus capable of being responsible as well on the road. Responsible drivers are highly unlikely to get themselves into road accidents.

Another way of doing this is by having your kid enroll in a driving course, basic driving course or defensive driving course. There should be accredited establishments there in your area in California that offer this kind of courses.

If you follow these tips, paying for your teen’s automotive insurance should not be much of a worry. But in any case, the coverage of your teen’s automotive insurance still depends on what you are going to specify to the insurers. So, just ask for some quotes from different automotive insurance companies.

Tags: auto insurance, car insurance, Student car insurance, teen insurance

Reader’s Question:

I am Dwayne and I am 59 years old now and will become a senior citizen in a few months. When I approach 60, will I still be able to get insurance for my automobile here in Atlanta, Georgia?

Dwayne

Atlanta, GA

Dwayne, I know what’s going on your mind right now. Probably, you’re thinking you’re not insurable anymore the moment you hit 60. Or if you can get insurance at all, you’re probably thinking you’re car insurance rate will eat your pension away. Well, Dwayne, let me tell you something to lift your spirits up. Senior citizens are among the least risk rated drivers. As you know, something that comes with age is driving experience. Compared to a teenager driver, I will trust an old yoke anytime, any day. Another good thing about seniors is they would be more observant of road traffic rules. Always remember, Dwayne, as long as you can drive, you are insurable.

To save money, try to get quotes from all insurance companies servicing Atlanta, Georgia. Or for faster results, the internet has almost all information about auto insurance. You can also get quotes through the internet. A lot of insurance companies give discounts if you drive less than 10,000 miles in a year, so take note of that. If you have more than one car, insuring them with one auto insurance company will also get you more discounts. No one will stop you from driving if you are healthy, so it is important to stay healthy. I mean, why punish yourself by trying to drive in your retirement if you have arthritis or diabetes, or any conditions that may affect driving. So, Dwayne, you have nothing to worry and are still insurable as long as you are healthy. Enjoy driving.

Tags: auto insurance, car insurance quotes, senior car insurance

Reader’s Question:

I’m here in Atlanta, GA. The name is George. If my car gets stolen and then the yellow-bellied thief figures in an accident and runs away, is there a chance that the people affected by the accident chase after me and my auto insurance?

George

Atlanta, GA

Now, wouldn’t that be a colorful story. Of course, we know that it happens. Thief takes your car, figures in an accident or uses it for who knows what and leaves the car somewhere dented and without gas. If the bad guy figures in a car accident, hit another car, a fence, or worst, a pedestrian, you will not be held responsible for the damages. That’s the nice part. The bad part is you will have to pay for the repairs of your car from your own pocket. I don’t think it’s a good idea to hope that the bastardly evil doer’s insurance will cover it. I don’t even think the bad guy has insurance. But even if the thief is apprehended and has auto insurance, I don’t think his or her (to be gender sensitive here) auto insurance company will include cleaning up after the thief in his or her (again, sensitivity) insurance policy. Of course, you’ll have to prove that the car really was stolen in the first place. Make sure to inform the proper authorities when your car gets stolen and get a police report. That’s added footwork but you won’t regret it as it will cover your back.

Tags: auto insurance

Reader’s Question:

I’m from Atlanta, Georgia, and I just want to know if whether my car insurance is going to pay first, or is it my own personal insurance, in case I get into an accident?

Mike

Atlanta, GA

Well, it will depend on whether you’re driving your own car, if you borrowed it, or if it’s a rental. If you’re driving your car, both your car insurance and your personal insurance will cover you. It’ll be your owners’ policy that kicks in first, then your personal insurance will cover the rest of the excess amount. Take note that your personal insurance will cover you, not the car. This, of course, goes without saying that it wasn’t you that caused the accident. If you are at fault, you can bet your stars that the insurance company of the other person involved will go after you to try to recuperate any financial damages you may have caused. If what you’re driving, however, is not your own car, a different process is involved. There is such a thing called non-owners’ insurance policy or rental policy, and that’s a different topic altogether. As with all kinds of insurance, policies, prices and processes vary from insurance company to insurance company and from state to state.

Ask your agent there in Atlanta, Georgia. These are some of the things you should’ve known before you bought your insurance policies.

Tags: auto insurance claims, auto insurance premium, Car Insurance Company