Car Insurance for 17 Year Old Driver
Question: How does one go about obtaining car insurance for a 17 year old driver in Dallas, without paying an arm and a leg?
Comment: I think this is a super question to inquire about your teen driver. At 17 years of age this teenage driver can not legally enter a contract since they are not considered an adult. I would assume that most teenage drivers would be considered “safe” drivers they are still not old enough to sign the insurance contract.
I would also assume that most insurance companies would require a parent and or a legal gaurdian to sign the contract and to be financially responsible for the vehicle and the driver’s actions.
I would start off your investigation by making a few phone calls the local insurance carriers in your area and get their opinion on this question.
I really do not see why you could not get decent coverage for your teen driver, but a better question might be are you going to be able to afford this type of coverage?
You might also want to contact the Dallas car insurance bureau or DMV to ask them if there are any restrictions for obtaining Dallas auto insurance in your area or specific situation.
High Performance Car Insurance Coverage
High performance car insurance coverage is like a maze, full of terms that normal people don’t use and that can be confusing, especially for people who are not accustomed to dealing with the car insurance business. The type of coverage you choose will have an enormous impact on how much you end up paying for your high performance car insurance premium, and not only that, but it will also impact how much you end up getting if you ever get into a car insurance accident. For those reasons and more, when you are about to choose what type of high performance car insurance coverage you need, you should figure out what exactly the terms mean first.
- Liability coverage.
There are two types of liability coverage, although both are required by law. These coverage categories are property damage liability and personal injury liability. Most states require liability coverage in the area of ten or fifteen thousand dollars per type of coverage, with an additional coverage category for the injury or death of more than one person which requires an additional thirty thousand or so. This is not the number for all states, but it is typical. However, in a really bad accident, damages can come up to much more, so most car insurance companies recommend paying for around a hundred thousand dollars of coverage or more for each category if you don’t want to have to pay for a lawsuit.
- Uninsured/underinsured motorist coverage.
This is to protect you from people driving out on the road who do not have auto insurance, or who do not have enough to cover the damages in case of an accident. It is important to have this coverage because even if you are a safe driver yourself, if someone else causes an accident and they don’t have insurance, then you could be in serious financial trouble.
- Personal injury protection.
This type of coverage is required in most no fault auto insurance states. Personal injury protection provides a lot of things, from the payment of medical bills to coverage for funeral expenses and wage loss. If you already have health insurance and life insurance, then you might not even need personal injury protection. To find out, look at your state’s laws and consult with your car insurance company.
- Collision coverage.
This is for when you yourself cause an accident. It covers any property damages that happen to you, such as any damages to your car, or if you back into your own mail box, then it covers that. While the other driver is covered by your mandatory liability car insurance coverage, it is a good idea to get collision if you want to not have to worry about paying should you cause a car accident.
- Comprehensive coverage.
This is for when a car is vandalized or when it is stolen. It also applies to natural disasters when a car might have been damaged by flooding or by fire or some other type of disaster. This kind of insurance coverage is something that I really highly recommend to owners of high performance cars.
Cheers,
Fashun Guadarrama.
Cheapest High Performance Car Insurance?
There is a myth going around that if you want to get the cheapest high performance car insurance, then you are way out of luck. This may seem true on the surface to many people who do not know how to work the system and get the best deals for themselves, but for anybody who is willing to pay attention and get their high performance car insurance policy the right way, a lot of money can be saved. How much money? My friend owns a Mazda Miata, which if you don’t know is a high performance roadster, and following this advice she managed to save almost two thousand dollars on her one year car insurance premium. No, that was not a typo. Two thousand dollars. So can you.
The first step is for you to realize that every little bit counts. So what if some effort will only end up saving you ten dollars a month on your auto insurance premium? That’s a hundred and twenty dollars a year. Most people would kill to save that much. You are not stooping, you are saving. If you don’t put any effort into this, then cheapest high performance auto insurance is going to be out of your reach.
But I’m making this sound hard. It isn’t.
-
Let your baby catch a breather.
When you get a high performance car, it is often the mechanical love of your life. Many people dream about having such cars from the time when they were teenagers, and only realize their dreams later in life. So don’t overdo it. You can save a lot of money every year by just keeping your mileage low. Remember that in most areas, it is not necessary to drive your car all day every day to get where you need to go. You have options, even if you don’t have access to public transportation. I live in Houston, Texas, which is the epitome of urban sprawl, and considering that I live in the suburbs, most people would say that it is impossible to survive without a car. Granted, I do have a car, but I manage to survive hardly ever using it. How do I do it?
-
Walk, ride, run.
My husband’s job is only five to ten minutes away from our apartment when he drives. He’s been trying to get more in shape, so we decided that one way that we could cut costs on gas and save money on our high performance auto insurance coverage is if he rode a bike to work. So we bought a bike for about fifty bucks and he rides to work most days unless he’s completely exhausted. It only takes him about twenty five minutes, and he gets the cardio and fresh air that he needs.
The original fifty dollar investment for the bike has paid us back several times over. So far, we have saved several hundred dollars just on gas and insurance.
-
Take the bus.
A lot of people hate taking the bus for some reason, and I really don’t understand that. Yes, it’s true that some people on the bus are weird, and that it takes a long time. However, if you want to, then you can make it work. I like taking the bus places, because it gives me time to think, or read a book or the newspaper. In my busy life, stuff like that often gets left behind when it shouldn’t.
Even if you live in the suburbs, this can usually be done. What I do is drive my car to the park and ride, which is about five minutes away, and then take the bus to my destination, be it a job interview or a museum or a movie theater.
-
Carpool!
Yeah, you like your privacy. But you get that when you come home from work, so it doesn’t hurt to share your commute with somebody else. Even if you haven’t carted your friends places or hitched a ride from someone since you were in high school, it isn’t as bad as you might think. Some insurance companies even offer discounts to people who take the bus or car pool, and you can save money by getting rides to work from co workers and then returning the favor every once in a while.
All of this comes down to cutting down your mileage use, which can be done by anybody. Even you.
Cheap Fast Car Insurance
I need your input, if you are here reading this you probably have a high performance fast car. How much are you paying for high performance auto insurance, and what company are you using?
Post your comments to this post or to any post on this site so other people can see what your car insurance rates are. I love fast cars, but I HATE to pay through the nose to insure them!
This is a new site…….get involved and post your comments.
Loading ...