I Need To Get Teen Car Insurance In Texas For College Student
Reader’s Question:
I’m planning to move to Texas next month to go to college, and I need to get a new insurance policy to get a driver’s license. How do I go about getting cheap teenager car insurance in Texas?
Tommie
San Jose, CA
Here are a couple of things you should do first if you want to get cheap teenager car insurance in Texas:
• Know the law – No matter how cheap your teenager car insurance is, it won’t mean squat if you don’t know the rules of the road in Texas. There may be similarities and differences between driving laws in California and Texas, so be familiar with Texan driving laws first before you worry yourself over finding cheap teenager car insurance policies
• Check multiple sources – the Internet is your friend with this. There are a whole host of websites that offer free online insurance quotes for you and your car. You just have to be patient and browse through as many as you can in order to get the cheapest policy you can get your hands on while still adhering to the minimum coverage standards required by Texan law.
• Handle the details – if you want cheap teenager car insurance in Texas, or anywhere else for that matter, you can negotiate by nitpicking on the details in car insurance: increased deductibles for lower premiums, reduced coverage for older vehicles, the safety rating of your car and extra coverage cuts are some factors you may want to consider to reduce your insurance policy premium rates.
Ask for discounts, you never know what you might be able to get and how much you can save by asking. Some popular discounts can be given for:
1. Military personnel
2. Good grade students
3. Union membership and bank member affiliations
4. Safe drivers with no claims in last 7 years
5. Defensive driving school attendance
6. Clean credit history – used by many carriers to determine payment risk
Auto Insurance For Teens – Can I Add As Occasional Driver?
Reader’s Question:
My son is a full time student currently residing on campus. He does not drive and he does not own vehicle. He is on our car insurance policy currently and I would like to know if we could remove him from our car insurance policy in Flint, Michigan and will be covered if occasionally drive our vehicle?
Jenny
Flint, MI
Generally, car insurance carriers will require you to list all licensed household members and that includes all children that are away at college or home that may drive your cars. Usually coverage is extended to those you have given permission to drive your car. However it does not cover a relative who drives your car that are not listed on your car insurance policy or specifically excluded on the auto insurance policy.
I suggest that you check with your current car insurance carrier in Michigan to know exactly the rules and guidelines in your specific situation. You may also read over your car insurance policy to verify if your son will still be covered if you take him off your car insurance policy.
Insurance carrier’s rules and guidelines differ. Some may look into mileage driven and some insurers do not. I believe it is possible that your son may be included as an occasional driver on your car insurance policy. Another option that you may do is to exclude him at the time that he is in school by showing proof that he is not residing with you. The insurance company would want to make sure that your son do not have access to your vehicles so may need to present proof that he does not live with you. So, verify with your car insurance company in Flint, Michigan to get the answers for your car insurance needs.
Do I Still Have To Insure My 18 Year Old Teenager
Reader’s Question:
Do I still have to insure my teenager on my policy since he is already 18 years old? They still live with me. Thank you.
Marcia
Thank you for asking Marcia
Yes.
Almost all insurance providers will require you to continue to have your licensed daughter or son listed on your auto insurance policy as long as they live in your household, even if they are already 18 years or older in age. Normally your insurance company will want all licensed drivers living in a residence listed on the policy so they will be properly covered.
Most insurance providers will require that a son or daughter that is away at college but returns home for the summer remain on the policy as well since he will likely operate the family vehicle(s) when at home.
To get more information on your insurance provider mandates, since insurance provider guidelines differ from each other, you may contact your insurance agent. Ask if there are any specific state insurance laws governing this situation.
Goodluck!
MariCAR
