What Cars Are Cheaper To Get Auto Insurance?

Reader’s Question:

Hello, I’m from Pennsylvania. We have finally decided to purchase our son his own car and get him his own vehicle insurance policy. He is going off to college pretty soon. He’s very excited about this, and I’m sure he would want a fancy one. However, my husband and I want to be practical. Vehicle insurance coverage alone can be draining on the budget. What would be a good choice of vehicle?

Jenny

Philadelphia, PA

Hi Jenny of Pennsylvania! Are you planning to get your son a liability car insurance coverage? This is the minimum requirement in most states primarily because you must be able to take responsibility for any damage you might inflict on another person while driving. This, however, does not cover damages to your own car, so your car choice in this case won’t matter so much.

It’s a good thing though that you’re being careful about buying a vehicle. There are several factors that affect your premium especially if you’re getting a comprehensive car insurance coverage. What car you drive is one of them. Some cheap cars to insure include Chevrolet Venture, Honda Odyssey, Buick LeSabre, Oldsmobile Silhouette, and so on. You might want to canvass vehicles in this range. If the car you choose is likely to get into an accident, it will be more expensive to insure. If it is costly to repair, vehicle insurance companies will also charge more. Between a sedan and a mustang, the former would be the obvious choice.

Even if you could afford it, I wouldn’t recommend buying an expensive car especially if your son is a beginner at driving. His inexperience could work against him. Both the value of his car and his lack of driving experience will raise the premium of his vehicle insurance policy. These are hard times, and I guess your priority should be utility and safety. He could get his sports car later.

Where Do I Get Teen Drunk Driver Insurance?

Reader’s Question:

Hello from Pennsylvania! Can anyone help me out here? My teenage son was caught drunk driving and got his insurance cut off. Now he wants to start driving again. Will we still be able to get insurance for him? Is there such a thing as drunk driver insurance?

Eric

Pittsburgh, PA

Hi there Eric. Uh-oh… Drunk driving is not good. Are you sure you want to let your son back on the road so soon? Anyway, there’s still hope for insurance although it will be trickier this time around.

You can also your auto insurance rates to go up because of your son’s tarnished driving record. If your son’s license and registration has been suspended, you will need to ask your automobile insurance company to file an SR-22 in your behalf. This is a legal document that will prove to the Pennsylvania’s Department of Motor Vehicle that you have the proper insurance coverage. This must be maintained for at least three years, and there will be reinstatement fees to be paid. I suggest you look for an insurance company that specializes in serving high-risk insurance drivers and SR-22 filings.

You may also want to look into companies that specialize in teen driving insurance. These companies will be able to provide affordable insurance rates even with your son’s record of drunk driving. How about going to online auto insurance companies websites? You can easily get cheap online auto insurance quotes from these websites free of charge! And please, next time he does go on the road, tell your son to drive safely.

What Kind of Car Insurance Coverage Should I Get in Pennsylvania?

Reader’s Question:

If there’s a third party liability, then what’s the coverage for first and second party liability? I don’t think I’ve heard of those here in Erie, PA. I just got my first car and I don’t know what kind of insurance to get.

Chuck

Erie, PA

You are one confused kid, I tell ya. Okay, let us get all the terms clear here, all right? The term first party refers to you, the policy owner who entered in to contract with the second party, which is the car insurance company. So, yes you were correct about not having heard of the first party and the second party liabilities before because in Erie, Pennsylvania and in any other state for that matter, the most common and most sought-after kind of insurance coverage is the third party liability. Well, of course, you got the idea of second party all wrong. Seriously now, the third party refers to the other person or other persons who are involved in the accident, and they are the people to whom the damage is done, whether in terms of body injuries or damage to property. So in a nutshell, the coverage of the first party liability includes the policy owner, his or her passengers. The third party liability, on the other hand, covers property damage and bodily injures on other people as a result of the accident, so you won’t have to worry about paying for repair bills and medical expenses. And there’s no such thing as second party liability, which is like saying that it’s the vehicle insurance company that caused the accident.

Tags: auto insurance, auto insurance coverage

Looking For New Driver Auto Insurance in Pennsylvania?

Reader’s Question:

Hello, wondering if anyone can offer advice here. I live in Pittsburgh, Pennsylvania and I just started working. I am a new driver and I plan to buy my first car soon. What basics should I look at first in getting car insurance? I do plan on having a long relationship with my car and treat it as a valued possession.

Matt

Pittsburgh, PA

Hello there, Matt and congratulations on your move. That is a fine idea you have there, practical and not wasteful. Based on my experience, you buy the automotive insurance based on what you plan to do and how you’ll use your car. I’ll also suggest checking state laws first, on what’s the bare minimum of auto insurance that a Pittsburgh, Pennsylvania car owner should have. Also bear in mind that too little or too much insurance is bad. You can either get caught unprepared in an emergency situation or get caught stuck with payments you can’t afford.

Here is one basic tip that I think you should check out. If you are a new driver and looking at acquiring an expensive brand new car and you’re confident about dealing with deductibles, you can look at having collision and comprehensive coverage in your auto insurance. With collision coverage, you’ll be prepared for vehicular accidents on the road i.e. you hit another car or another car hits yours. With comprehensive coverage, your car is insured for damages that are not caused by other vehicles. Let’s say, by some freak event, a tree just drops on your car, the resulting damage to your car will be covered by your auto insurance

I Am Buying a New Car Do I Need To Get a New Auto Insurance Policy?

Reader’s Question:

Edward here from Philadelphia, Pennsylvania. My car’s has been freaking out lately so I’m thinking of retiring it and getting a new one. Will I also have to buy new insurance for the new one or can I just use the current one I have?

Edward

Philadelphia, PA

Hi Edward, that’s a good question. My advise to you is, talk to your automobile insurance provider in Philadelphia, Pennsylvania about it. Different insurance companies will have different rules about this. Here are a few things to note if you want to carry over your current insurance to the new car. Your new car will be covered for the same amount that your old car was covered. If it’s a pretty old car, I’m pretty sure you went the economical route and got just the minimum coverage amount required by law. This exposes you to greater financial risk if something unfortunate does happen. Also, your dealer or financer, (read: loaning agency) will most likely require you to buy additional insurance for the car. This would be your collision insurance to cover repairs for damage to your car if you get in an accident. You will most likely also need comprehensive insurance to cover most anything else that could happen that will cause you to lose your car or for it to be damaged.

The insurance companies have different policies and restrictions on replacing or adding vehicles under an insurance policy. Some extends the coverage of your insurance to the new or added vehicle for a couple days, while some give you more lee way. The main thing is, do update your policy as soon as possible to avoid possible financial blunders caused by little or no insurance coverage.