I am an 18 year old male driver in  Florida and I would like to know if I will now get lower auto insurance cost since I am now legally an adult?

Adams

Delray Beach, FL

No, it is doubtful that you being 18 years old will lower your auto insurance rates. Though you are technically an adult you still only have a couple of years of driving experience and therefore still a high risk to an insurance company in Florida. If you are no longer in school then you may lose a good student discount and at 18 your car insurance rates could go up.

Typically car insurance rates for young drivers go down once you turn 25 years of age. Some insurance companies may lower their car insurance rates at an earlier age, such as 21, but normally 25 is the age at which rates lowers since statistically that is when motorists tend to mature and become less of a risk.

You may speak to your car insurance agent about what your insurance carrier’s guidelines are regarding car insurance discounts and also about their rating system as it relates to how many years you have of driving experience and how old you are.

Are discounted married rate on car insurance available in Billings Montana for a couple who are not legally married but are living together?

Alexis

Billings, MT

A couple living together can publicly declare themselves as married under common-law marriage laws. In this case, they should be able to receive whatever benefits are afforded to traditionally married couples. Also, they should be subject to the laws governing such union.

In theory, auto insurance premiums for married couple are lower because insurance companies believe that marriage makes a person to be more mature and responsible. Thus, cases of reckless driving will most likely be prevented. Some insurance companies may even give discounts or a reduction in rates based on lifestyle events that signal greater maturity, such as having a baby.

So a discount or lowering of rates may be possible but on the other hand if one or both of drivers in a married couple have bad or poor driving records, then insurance rates could be higher than that of a single driver. If one party of the married couple has a good record and the other has a poor driving history, the one with the bad record can affect the rates of both. This is because insurance companies based rates on the highest risk driver in Billings Montana.

Since a car insurance policy usually extends to all licensed household members (meaning you, your spouse and anyone else with a valid license), if any of these people have a poor driving record then your insurance premiums can be affected. Keep in mind that two people are now placing both of their vehicles on one policy. A multi-car discount may also be available. Check with your Billings Montana agent or insurance company to see how you can take advantage of these discounts if offered.

I recently got my college degree, and while I was attending school I could get a car insurance discount for having good grades Now that I no longer have grades, though, is there another discount for me?

Craig

Good question, Craig.

This is actually a new area in which car insuranc discounts are being offered. Recent studies have shown that many people’s driving patterns reflect their living patterns as well, as relates to their job, their education, their marriage. For a long time getting married has had a positive effect on people’s car insurance premiums, especially those of men’s, but now the other two categories are seeping into the area of car insurance discounts. You’ll see people getting discounts for being teachers or scientists.

And you can now get a car insurance discount for the degree you have as well. Or at least if you get your car insurance policy with 21st Century Insurance, you can. 21st Century offers discounted car insurance rates for people who have degrees in certain fields. These fields include mathematics, engineering, and chemistry, and pretty much any other degrees that would fall into the same department as those. If you graduated with one of these kinds of degrees, then you can get a car insurance discount from one of these companies.

21st Century is a car insurance company that does business in many states like Texas and Arizona, as well as Washington and Nevada. In all of the states that it operates it gives the option of this discount, which is named the engineering and scientist discount. According to the company’s vice president, this discount can get you as such as thirty percent off on your car insurance premium.’

The reason that people with these degrees are seeing good discounts is because, according to studies, scientists tend to be more meticulous people. Because of this, they pay more attention to their driving as well as to their surroundings.

Cheers,

Fashun Guadarrama.

Can you get new car insurance discounts for certain types of cars?

Jasmine

Sure you can.

If you have a brand new car that is getting a title for the very first time since it is fresh out of the factory, then there are a lot of car insurance companies who will provide you with a car insurance discount in this instance. That’s good news for anybody getting new cars, because the expenses are already huge. Newer cars have higher rates for car insurance premiums, and so this makes it easier to handle the higher threshold of coverage for a new vehicle.

Here are some types of cars that receive discounts for their class of cars.

• Cars that are economic. You can get a new car insurance discount for an economic car, especially on your collision coverage rate, because the parts are easier and cheaper to come by and the labor is cheaper for these kinds of cars. Another great thing about them is that they are often less expensive for you to maintain, so you win on all sides.
• Discount for utility vehicles. Several different car insurance companies offer car insurance discounts for certain types of pickup trucks. Call your car insurance company and ask if they do this, and for what kinds.
• Safety ratings. Cars go through safety crash tests that determine how they will hold up in the case of several different types of accidents, both concerning the car itself and the people inside of it. Cars who perform better get better safety ratings as well as better car insurance rates.

Cheers,

Fashun Guadarrama.

When I turned 16 and got my first car, I also got added to the car insurance policy that my parent’s had. Now I’m leaving state to go to school elsewhere, so I’ll be getting my own new student car insurance. I know it will be more expensive, but how do I make it cheaper?

Sharon

It’s easy, Sharon.

First I want to remind you of the option to just not get a new student car insurance policy at all. If you are going to school in a different state, most car insurance companies will give a huge discount or not charge for you at all while your name is still on the policy, so if you leave your car at home you could end up paying nothing for car insurance and still be covered when you use it during visits home. This may not sound reasonable, but consider that if you are moving to a college town, not only will you live on campus but you will probably be able to get places where you need to go by taking public transportation.

If that isn’t what you want to do, or if your college town doesn’t have a good bus system, then here are some ways to get it done.

• Raise your deductible. This is the most basic cheap car insurance rates advice. The higher your deductible, the lower your premium. Just make sure that you can afford the higher deductible.
• Lower your standards. Pick a car that has some grey hairs and wrinkles, but is still safe. Older cars are cheaper to insure, and you also won’t need as much insurance. In the same vein, consider not getting that great stereo and those rims.
• Is your car worth less than your premium? Then you should only get the minimum state required car insurance coverage.
• Take a class in defensive driving.
• Maintain your credit report. It’s time that you are starting out in life and getting your credit going, so be careful now or you’ll have problems in the future.
• Look around for your car insurance company. Get instant online rate quotes and compare, compare, compare.
• Join an organization that helps you get discounted car insurance rates.

Cheers,

Fashun Guadarrama.