I have a 20 year old son and we’re shopping a cheap car insurance for him. What should we do in order to get a really cheap insurance for him, I mean probably just the basic liability coverage?

Lenny

Phoenix, AZ

Keep in mind that car insurance for young drivers like your son is normally more expensive. Car insurers typically rate young drivers as high risk drivers, meaning they are subjected to car insurance premiums. Young drivers are more prone to making mistakes while driving, and statistics back this up. So your son may have difficulty in getting cheap car insurance Arizona.

However, if your son follows these tips, then he has a better chance of getting cheap car insurance Arizona. First, he should join a defensive driving course. He will learn how to be more responsible and skilled when behind the driving wheel, making him appear a low risk driver compared to other young drivers.

Your son should also have a smaller car like a Honda Jazz. Do not give him a sports car or SUV if you want him to get a cheap car insurance Arizona. Car insurers regard SUVs and sports cars as high risk vehicles, and young drivers driving them are considered recipe for car collisions and vehicular accidents.

If my teen daughter is not on my car insurance policy in Phoenix, Arizona and got into an accident, will she be covered?

Gary

Phoenix, AZ

In most cases there would not be coverage at all if your daughter is not on your car insurance policy and got into an accident. Insurance carriers have to be aware of the risk they are covering that is why many insurance providers require that all licensed household members be added on the car insurance policy. You should verify with your car insurance agent or insurance carrier to know exactly if this loss would be covered.

When a young driver gets their learners permit or drivers license you need to notify your car insurance company about their license status. I know we are all worried when it is time to insure our teenagers.

Comparison shop for young drivers prices would be able to help you get lower car insurance quote in Phoenix, Arizona. You can get some comparison prices for automobile insurance quotes here by just placing your zip code in the box above.

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I just got my driver’s license but I do not have auto insurance yet in Phoenix, Arizona. I just want to know if I drive my friend’s vehicle even though I do not have car insurance?  Can I get a quote from you guys?

Jim

Phoenix, Arizona

It depends on the guidelines of the insurance provider of your friend’s vehicle you want to operate if you can drive their car legally and be covered by insurance. In most states both the car and the driver need insurance and in others just the car so you will have to verify with the Department of Motor Vehicles to check what your state requires with regards insurance coverage.

If you just got your driver’s license and reside with your parents they should tell their insurance provider of your licensing status in Phoenix, Arizona. Normally you would have to be listed to their car insurance policy to be properly covered. So if you are going to borrow your friend’s vehicle, it would be up to the terms of your friend’s car insurance policy whether you would be covered by their insurance.

Generally though, a person’s automobile insurance will cover those that the owner provides permission to drive the car but some car insurance policies have exclusions for covering certain people.

I would like to take off my son from my insurance policy in Scottsdale, Arizona. He is 19 and has moved to his own apartment. Should I just call my insurance company or are there any verification and documentation I need to make?

Miller

Scottsdale, AZ

The process of how to take a driver off of an insurance policy is up to each individual insurance carrier in Scottsdale so when you call in to your insurance agent to request that your son to be removed off your insurance policy, since he has moved out of the house, he or she will inform you if your calling over the phone is enough or if you will need to show documentation to get him removed.

Some insurance provider procedures require that the motorist being taken off also send in proof of residency outside of your house. Typically this can be in the form of an gas or electric bill, voter registration, car registration college registration or other type of proof of residency.

I have my teenager listed on my own car insurance policy in Phoenix, Arizona. He reared a brand new mustang and we had to make claims from our insurer. Will my car insurance premium go up upon renewal if my policy should expire?

Tom

That is one big crash to your bank account if you didn’t have car insurance policy. Your insurer must be in a bad shape after paying for the damages on that mustang! For most insurers, accident rate of listed drivers will definitely affect car insurance premiums. In fact, being accident prone and high probability of road accidents for teenage drivers is reason enough for your premiums to get raised by your car insurer.

You might experience irreversible results for now on your car insurance premium’s possible increased rates because of that accident. However, you can always ask the insurance regulating agency to check if you are not overcharged if any increase happens. Your insurer in Phoenix will be more than happy to explain to you their rating system.

A good way too for you to check if your rates are reasonable is to shop around for free quotes online. You can get good quotes from around Arizona through this website and I think it is wise for you to do that. Once you submit your zip code, you will be given a comparison chart for local insurers in your area who can give you some free quotes. Once you have those quotes, simply compare that to the probable new rate you might be charged by your present insurer and see if you are not charged too high.

I hope your car insurance rate would not increase as much!

Can a 17 year old teen buy and insure a vehicle from a private seller Arizona with cash without consent from parent?

Amy

Mesa, AZ

This will depend upon state laws if a seventeen year old teen (or any aged minor) can buy a vehicle from a private seller in Mesa Arizona with cash without getting their parent’s consent. The age at which an individual can legally have ownership of a car varies from state to state.

Generally, a teen or minor cannot enter into a contract therefore cannot be a sole owner of a car. Normally a minor cannot actually own a property. Technically, his or her parents own that property. If a parent or a guardian will co-sign on a loan for a vehicle, the minor can purchase a vehicle, but the parent will be the legal owner.

There can be exceptions to this generalization and this depend upon state laws. For instance in Arizona, they have an emancipation statute for teens or minors over 16 who can show they are sufficiently mature to handle their own financial and health-related responsibilities. If the order is granted, the minor may be able to enter into legally-binding contracts for the purchase of property, including vehicles and insurance.