Ohio Teen Driver Low Cost Car Insurance
Reader’s Question:
I just bought my own car but my parents would rather I own up to my car’s responsibilities (which include paying insurance bills on it). I’m on a pretty tight budget, how can I get affordable car insurance coverage for a teen driver?
Jamelah
Cincinnati, OH
Its good that you have a car to call your own, and it would even be better if you can get low cost car insurance for it, right? These days there are actually many ways to save some much needed dollars while getting good car insurance. Listed below are a few tips to help you out:
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Maintain Good Driving History - This is an important key to establishing low cost car insurance in the long run. The better you are as a driver, the less risk you represent to the insurer and the lower your rates become.
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Good Credit Can Help - Credit is now a factor that most car insurers consider nowadays. Those with good credit have been shown to be safer and more responsible drivers in general.
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Don’t File Too Much Claims - The number of claims you file is directly proportional to the number of accidents you get involved in. file too much and you’re insurer may soon put you under the high-risk category
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Get a Higher Deductible - A higher deductible will actually make your premiums cheaper. Just don’t overdo it otherwise you might end up unable to afford a claim when you actually need it.
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Setup Annual Payments - Annual or Semi-Annual payments can actually get you more savings. This is because most companies nowadays give cheaper rates or discounts to customers who pay a year upfront.
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Find Discounts - Discounts are a great way to get low cost car insurance, and there are many available. Always ask about discount options you’re eligible for when shopping around for coverage.
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Compare Rates - Use online car insurance comparison websites. They offer free quotes coming from many different car insurers in your area. Comparing your offers will help you get low cost car insurance in a quick and convenient manner.
Cheap Non-Owner Auto Insurance in Ohio
Reader’s Question:
I’m single parent from Ohio. There are three people who normally drive my car; these are my two kids and my best friend who help me out a lot with errands and stuff. Would they be automatically covered by my auto insurance policy? Or is there such a thing as insurance for non-owners?
Martha
Columbus, OH
Yes, as long as you inform the auto insurance provider that they will be driving your car. Insurers will ask for the list of people living in your home. How old are your children? The bad news is their inexperience in driving will reflect on your premiums. Statistically, younger drivers have shown greater tendency to get into accidents.
If you are worried about the cost, try to compare the rates offered by several car insurance providers there in Ohio to see who gives you the best value for your money. You may also get a higher deductible to lower the cost further. Having a cheaper yet safer car is another way. But please don’t think about keeping any information from your car insurance company. Doing so would mean greater problems for you in the future.
Does your friend live in the same house? If she doesn’t, and you want to make sure that she is covered, you might want to look into these options. First, you may ask her to get a non-owner auto insurance policy although this might be quite costly. So better yet, list her as an occasional driver within your car insurance coverage. An occasional driver is someone whom you allow to use your car often enough. At the end of the day though, this person must return the car to you or park it at your own garage.