Rental Car Insurance For Young Driver?
Reader’s Question:
Last summer when I had my vacation in Coconino, Arizona . I attempted to rent a car but I was not able to get any insurance for the reason that I am below 25 years old. Since I started driving, my record is clean and thank God I was never been involve to any accidents. So, what’s their purpose or reason for denying my application?
Michael
Coconino, AZ
Sorry Michael!
Reaching the age of what we call the magical age is really fun, you are allowed to get your auto insurance and start traveling where ever you want to go. For young drivers which 18 – 24 years old you are restricted to get an auto insurance due to the fact that drivers at your age do not posses the best driving records. In Arizona auto insurance records would show that drivers at your age are the most involve in serious road accidents, and auto insurance companies hate this kind of records, it’s too risky for them.
When drivers turn 25 years old (magical age) the rates of their premiums decreases significantly, but you need to put this in your mind that lower rates are not only comes with age. There are several elements that make up the rates of a premium such as make and model of the car, age, driving history, and etc. This element that comprises the rate will be evaluated by the auto insurance companies and come up with your premium.
Sorry to say that you are not the only under 25 years old who experiences this kind of situation in Arizona. Just continue taking care of your good driving history and who knows how much discounts you can get at the age of 25. You can compare rates in your area by typing your zip code on the relevant form found on any insurance site like this one.
Arizona Auto Insurance Rates With Traffic Tickets
Reader’s Question:
I received a ticket for not stopping in the red light. How will this affect my auto insurance rate in Arizona?
Kim
Thank you for asking Kim.
You can receive 6, 4 or 2 points for failure to stop for a traffic signal depending on if you caused death, serious injury or only ran the light in the state of AZ. The AZ DOT Motor Vehicle Division states that there is a new state law that requires any individual who violates the red light statues to attend Traffic Survival School.
If you fail to attend the school, their driving privileges will be suspended or revoked until the class is completed. As for the moving violation conviction, it will be recorded on your drivers history and remain on the record for 5 years.
Each insurance companies use different rating system so to find out how your moving violation will affect your rates, you may contact your insurance carrier. Also to find out your insurance company’s rate you may contact the Arizona Department of Insurance. This is a state agency with which insurance providers must file their rates.
Goodluck!
MariCAR
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