We’ll be adding our son as a named driver in our car insurance policy here in Arizona as soon as he gets his permanent license. Since he is a young driver and we are told that the rates will be higher for him, is there still a way that we can have cheap car insurance?

Gage

North Pinal, AZ

Young drivers who are under the age of 25 are considered to be the highest risk to car insurance companies because they have so many accidents in which they are to blame. Car insurance providers attempt to control young drivers (age 16-24) from having more accidents by charging them higher car insurance premiums than drivers who belong to another age bracket. You may very well add your son in your car insurance policy in Arizona even though it may not do so much. However, you can get discounts such as multiple cars and safe-driver discounts if your son completed a defensive driving course.

If you’ll get him his own car, make sure that the one that he drives is an economy model, one that is not so high to insure. He may just opt to drive an older car because it is usually considered as lower risk to car insurance providers since the cost to repair or replace it would be not as high as it would be for newer model cars. If the car insurance providers consider it as low risk, this means lower car insurance rates for you and your young driver. If you so this, he can have car insurance policy on his own rather than being a named driver on your policy.

I know that having a teenage driver could have additional expenses on car insurance. How can we be able to find cheap car insurance for my teenage son?

Norris

Flagstaff, AZ

Most auto insurance companies view teenage drivers as “risky,” so this would mean insuring them can be quite pricey than regular car insurance. Young males between the age of 16 and 21 years old are considered the worst drivers when it comes to having accidents. Still, there could be ways to get around these undesirable facts about insuring a teenage driver. There are simple ways in which you could be able to lessen the insurance rates of your teenage son.

First of all, in purchasing a car for your teenager, it doesn’t have to be expensive because auto insurance company thinks that they will pay more for the car if it gets involved in an accident. If the car is costly, it would be possible that the insurance rates will be higher for your teen. You may also look for high deductible auto insurance policy in Arizona for your teenage son. This means that if your son gets into an accident, you would have to pay higher dollar amount but it would cost you less on your annual or monthly dues. Lastly, needless to say, you would have to shop around for a teen auto insurance policy. It would be very essential to get more than one quote and compare auto insurance policies.

Following a DUI conviction, how can I get myself insured? I’m planning to just do it online so please tell me how to get a comparison DUI friendly car insurance rate quote through the web.

Darion

Tempe, AZ

Buying car insurance online would save yourself time and money, but let me tell you now that after your DUI conviction in Tempe, you’ll have a hard time getting yourself insured, and if you do, the rates are gonna be different. First of all, you have to make a list of your information, with info about your car. You can have this in front of you while you’re looking for car insurance companies. You have to have with you your driver’s license number, driving history (dates of any recent accidents, including your DUI conviction) and personal information like address and social. You also need your vehicle make and model, license plate number, vehicle identification number (VIN), accident history and mileage.

You can find online car insurance companies by typing “car insurance” into the search engine such as Google. A lot of car insurance companies would come up in searches but you can stick with the companies you’ve heard of and can ask your friends and family about. But if you don’t want to bother searching car insurance companies for your coverage, you can just try the options available from this website for your car insurance needs.