Reader’s Question:

Hi I’m wondering where I can get an instant auto insurance quote for a 1994 Honda Accord. I live in Florida.

Dave

Miami, FL

It’s not that simple, Dave. A lot of factors are involved in determining auto insurance rates. It depends on the age, gender, location etc. If you want to get an instant auto insurance quote, you can go online and check out the different sites that compare rates from the different auto insurance companies. Just fill in the information that is needed. For example, if you are in your teens, your insurance coverage will cost more since you are considered a “high-risk” driver. Auto insurance companies do not want that. As you grow older, statistics tend to be in your favor. Now, when you get past 65, some insurance companies will raise your car insurance rate because it will be considered dangerous for you to drive. Also, gender will matter especially during if you are a teen. The range of auto insurance prices will be more or less the same when you get past 25.

The type of car you drive is also a factor. The 1994 Honda Accord is among the most frequently stolen vehicles in the Miami, Florida area, so that will be a factor (imagine, there are 20,000-plus auto thefts in the city alone). You can save on this by adding anti-theft devices on your car. If your neighborhood has a reputation of being an area where this type of burglary occurs, insurance rates are bound to go up. The travel time within Miami is higher than the national average, so that will also be a factor in the auto insurance calculation (since the heavier the traffic, the greater chances of a car accident).

There are a lot of instant auto insurance websites that would cater to your questions. This will help you save time and money. Also, when picking which company to do business with, do not choose solely on the cheaper price. Make sure that the car insurance company has a good reputation among its customers.

Tags: auto insurance online, Car Insurance Company, car insurance quotes, car insurance rate, instant car insurance

Reader’s Question:

My teenage son will be getting his Arizona learner’s permit. Is it necessary to get him separate auto insurance coverage?

Timothy

Phoenix, AZ

A lot of things need to be addressed first before you let your son take control of the car. Firstly, he should be at least 15 years and 6 months old to qualify for a learner’s permit. He has to provide the Arizona Department of Motor Vehicles with an application for a learner’s permit signed by you. In this way, you, the parent, will be held responsible if anything untoward happens while your son is behind the wheel. Secondly, your son needs to pass the written exam. He also has to complete 10 hours of nighttime driving and 20 hours of daytime driving with a licensed adult aged 21 supervising.

After all this is completed, the permit is given. You need to remind your son that this does not entitle him to drive a motorcycle since that will need a separate permit. Your son should have a clean record until he is able to obtain his full valid driver’s license at the age of 18. You also have the prerogative to request for his permit to be cancelled at any time before he turns 18.

Regarding your insurance concern, he needs to have coverage as soon as possible as he will be driving really soon. The first option is to purchase separate auto insurance for him. However, this may prove to be very costly than just adding him to your current policy. Although it may cause your premiums to rise to 100% for adding a teenage son to the policy, it is still way cheaper than getting him separate auto insurance coverage. You must remember that insurers will be assessing a high premium for adding teenagers, especially a teenage son, to a policy since they tend to be involved in more accidents because of limited driving experience.

Tags: auto insurance coverage, auto insurance premium, DMV, teen, teen insurance