Cheap Teen Auto Insurance In Alaska
Reader’s Question:
Will I be able to get an affordable teenage auto insurance in Alaska?
Justin
Anchorage AK
During a time when the economy is suffering from a downturn, it is a wise decision to shop for an affordable teenage auto insurance in Alaska before buying one. In order for a student to obtain a lower auto insurance premium, consider getting the minimum liability coverage for the state. That is, get only at least $50,000 for a single bodily injuries, $100,000 for all bodily injuries, and $25,000 for property damage.
Being a student, you should stick with the minimum auto insurance coverage especially if you are paying your own car insurance. This coverage will also be enough if your car is inexpensive since you can have it fixed easily or ignore minor dents and scratches. In this regard, you should buy a cheap car that has a four-cylinder engine. Insurance companies charge lower auto premiums for this type of cars. Another way for you to get a lower teenage auto insurance in Alaska is to maintain at least a B average at school. This is like hitting two birds with one stone. You make your parents happy by getting a good grade and you enjoy substantial discount. If your parents are paying for your insurance, they’d be very pleased with you.
If you are still living with your parents, it is best to have you listed on your parents auto insurance policy. It is cheaper that way than having a separate teenage auto insurance.
One of the best ways to lower your annual premiums is to have a higher deductible amount.. Like a $1,000, is what I carry personally.
Now, if you are a claim free and safe driver like I am, you could be saving a ton of money each year on your premiums. People fail to realize that the deductible amount is only paid when they file a claim and their insurance company pays that claim.
Should I Add My Teen Driver To My Auto Insurance Policy
Reader’s Question:
Should I add my teen driver to my policy before she can drive my car? I live in CT. Thank you.
Regine
Good Question Regine.
It is not the law of state that requires a parent to list or add a newly licensed child to their auto insurance policy but instead the insurance provider’s guidelines that require the child to be added in the policy.
Almost all insurance providers require that you add all licensed motorist in your household on your insurance policy so that they will be properly covered to operate your cars. If your child has just received their permit you should call your insurance provider to check if you need to list your child now or if you can wait until they are fully licensed before adding your child in your policy.
If the insurance provider is not notified of the licensing status of your teen and is not listed as an additional driver and then he or she operates your vehicle, it is possible that a claim will be denied by the insurance company. Some may cover the claim but then you will have to pay for the premiums that should have been paid previously for the teen to be on the policy.
You may contact the Connecticut Insurance Department (CID) if you have any questions regarding the CT car insurance.
Goodluck!
MariCAR
