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.

Will I ever get a cheap car insurance in Arizona after having a DUI conviction? I’m desperately in need of your help.

Nick

Fresno, CA

Well, good luck to you, Nick. Don’t expect that you can get the lowest premium rates if you have an Arizona DUI on your record. You may anticipate paying as much as double than drivers with unblemished driving histories. Most insurance companies check a driver’s motor vehicle record only once every three years or when you’re applying for a new policy. Sometimes, drunk-driving convictions, accidents and tickets can escape your insurer’s attention or don’t end up on your motor vehicle record. But if your insurer finds out about your DUI conviction, you are likely to feel the pinch of higher rates and possibly policy cancellation or non-renewal.

I suggest you shop around so that you can yield the lowest rate for your car insurance in Arizona, as they vary greatly. Hope you find the lowest rate that would help you wipe your desperation about getting  cheap insurance in Arizona after your DUI.