Reader’s Question:

A month ago, I bought my son a new BMW as a birthday gift for his 20th birthday. I am planning to get him an insurance policy. However, the vehicle insurance policy price for young drivers are high. How can I get cheaper auto insurance for my son?

Buddy

Sta. Barbara, CA

Teen car insurance is important to protect your teen and your car in case of accidents. Getting vehicle insurance policy for your teen could be costly. Studies show that, most vehicular cases involve younger drivers that don’t have lot of experience. Because of that, car insurance companies mostly tend to give higher car insurance premium to those who have teens registered under their car insurance policies. But there are several ways on how you can save money and get cheaper teen auto insurance.

Shop on-line. Search for the lists of insurance providers in your area. Be sure to compare them and go with the one that fits your needs.
Expose your teen in some civic and community organizations. There are organizations that are being recognized by insurance companies and they give discounts to its members.

Demand good grades from your son. Most companies offer teen car insurance discounts to drivers that attended high school or college maintaining at least a 3.0 grade average.

Install car accessories like seat belts, anti theft alarm systems, airbags etc. These features help the car and the driver from getting into trouble and can lower the cost of insurance policies.

Don’t hesitate to ask your chosen car insurance provider about vehicle insurance policy discounts or information on how to qualify for those discounts. Ultimately, helping your teen to value the “safety first” rule is the best remedy against high insurance policies.

Reader’s Question:

I got my drivers license recently. However, my car is not insured in. Can I still drive?

Joanna

Lexington, KY

Getting vehicle insurance policy is very important especially nowadays. Most of the US States today requires that you have a car insurance to drive your car. Its primary use is to provide you and your car a protection from losses incurred as a result of traffic accidents. Road accidents and vehicular thefts can happen anytime and a vehicle insurance policy can help you if you get hurt.

If you are in a limited budget and looking for cheap car insurance, it’s no problem. There are plenty of car insurance providers that offer low insurance premiums. You can browse some lists of car insurance providers online and do comparative shopping if you want. Find the company that offers best deal when it comes to cheap vehicle insurance.

It is important that you and your family are covered by car insurance. Auto insurance can help offset the cost of the following: hospitalization expenses, lost wages due to injury resulting from an accident, benefits to survivors when an accident results in death, lawsuits brought against you as the result of an accident. Vehicle repairs due to damage caused by accident. Vehicle repairs due to damage other reasons not related to accidents. Think of the benefits you may receive from getting a vehicle insurance policy, this would surely help you make the right choice.

Reader’s Question:

My husband’s been whining for a few months now about the bills his auto insurance company has been sending his way. He says that it wasn’t his fault, and that he’s not supposed to be held liable for the accident he was in four months ago. However, because he was held ‘liable’ for the accident, his auto insurance company has increased his premium pretty significantly. So I’ve been wondering: how exactly does vehicle liability insurance work?

Anna

Madison, WI

While some accidents clearly indicate who’s at fault, most accidents aren’t as crystal clear as when a drunk driver slams into the rear of a parked car. If one driver hits the rear end of a car that abruptly stopped, it would be hard to determine concretely who was at fault. It may have been the abruptness of the first car’s stop, or the carelessness of the driver behind. One or both may have been traveling at high speeds when it happened. One driver may have been distracted. A lot of factors come into play in complex accidents when vehicle liability insurance companies are determining who’s at fault.

In cases like this, a percentage-system is applied to determine the degree of liability a driver has.

This is how it works: the insurance companies of those involved would have to determine the degree of fault for each driver. In the previously mentioned case, where a driver hits the rear of another driver’s car, the investigations could pin one driver with 70% of the fault. The other driver gets the other 30%. There is a legal basis for determining the degree of fault, but these fault determination rules are way too lengthy and complex to be discussed in just one article.

If you would like to know more about the specific rules to determine vehicle liability insurance, you may want to contact your state’s department of traffic and car accidents. They’ll be able to provide with you a more detailed explanation of the fault determination rules.