Cheap Car Insurance For Young Women New York
Reader’s Question:
My family is on a tight budget but we have to buy a car insurance for my young daughter here in New York. What are ways to get a cheap car insurance for young women?
Susie
Manhattan NY
You can find cheap car insurance for young women in New York when you do comparison shopping. By comparing at least three car insurance quotes, you will be able to find the cheapest car insurance policy with the best insurance coverage. 
The Internet can provide you with the car insurance quotes you need to find the cheap car insurance for young women that you want. There are available insurance web sites where you can submit your request for car insurance quotes. With advanced software that these web sites have, you will have your car insurance quotes from many companies in a matter of minutes after you submit your request. In this way, you make effective use of your time because you are able to achieve a lot of things in one sitting.
You can also acquire a cheap car insurance for young women in New York when your daughter can assure car insurance companies that she can drive safely no matter what the road or weather conditions are. Naturally, car insurance companies see a greater risk in young people due to a preconceived idea that they are fairly new to the road and are more prone to road accidents. Thus, car insurance for young people are fairly more expensive than ordinary ones. By proving that your daughter can drive safely, she break this preconceived idea and thus, will earn her discount in car insurance.
There are more practical ways to get a cheaper car insurance policy for your daughter. Among these are:
- Getting a car with small engine,
- Owning a car that belongs to the low insurable category,
- Naming yourself as co-drivers to your daughter’s car,
- Reminding your daughter to avoid modifications to the car, and
- Inquiring to your car insurance agent about the possibility of a discount if the car has safety and anti-theft features such as safety bags, locks and immobilizer.
Will Parking Ticket Increase My Auto Insurance Rate in New York
Reader’s Question:
I received a parking ticket here in New York. Will it affect my car insurance premiums?
Ian
Albany, NY
In most cases, getting a parking ticket will not be considered by car insurance companies as a demerit earned on your insurance points. This is because moving violations, especially if a driver gets convicted for them, are the ones that the insurance carriers take into consideration when raising premiums. However, if you failed to address a parking ticket, like paying the fine, this would eventually lead to the suspension of your driver’s license, and then the suspension will be put against your driver’s motor vehicle record (MVR). The State of New York’s Department of Motor Vehicles (DMV) will then notify your auto insurance provider about the suspension. That is why it is very important to remember to address any traffic citation, even ones as seemingly harmless as a parking ticket as soon as possible. When you get a parking ticket, remember not to lose it in the glove compartment along with your loose change and ATM receipts.
In the State of New York, non-criminal tickets will be addressed by the local town or village criminal courts. However, you will need to face the Department of Motor Vehicles Traffic Violations Bureau since you are from Albany, New York. Instead of appearing before a judge, a DMV administrative law judge who has the authority to set penalties and fines will try your case. Bear in mind that it is easier to avoid getting a ticket than dealing with the consequences of it afterwards. Just make it a habit to follow traffic laws and practice safe driving.
Tags: Car Insurance Company, DMV, traffic violation
Insurance for Rental Cars in New York
Reader’s Question:
I live here in New York and usually rent a car whenever my own car is in repair. Do I need to have a separate insurance for rental cars?
Anna
Manhattan, NY
Rental car insurance is always a confusing matter for most of us. Renters buy supplemental rental car insurance for $20 to $40 per day for fear of what might happen if they refuse. What many of us do not know is that additional rental car insurance is mostly unnecessary if you have sufficient car insurance coverage. Before renting a car in New York, it is good to call your car insurance agent. Inquire about how much coverage you have on your car.
Generally, whatever deductibles and coverage you have on your car insurance would apply to your rental car. If you have removed the collision or comprehensive coverage on your car insurance policy, your rental car will not be covered if it was damaged or stolen.
Ask your agent if your insurance provider covers towing fees or administrative charges. Some car insurance companies cover these for their policyholders and may prove to be less expensive since you would not need to buy full coverage through the rental car company.
The next thing to do before renting a car is to call your credit card company. Companies like Visa, American Express and Discover may shoulder comprehensive damages to most vehicles. MasterCard offers secondary coverage to its platinum and gold card holders.
Why Are SR22 Insurance Rates So High?
Q: Why are SR22 insurance rates so high?
A: There are a lot of reasons for why insurance rates, period, are very high, but the main reason for SR22 insurance being expensive is the risk. Car insurance companies rate consumers based on risk, be it risk of filing a claim or even risk of canceling. If you have SR22 insurance, then it’s likely that you have been convicted of drunk driving, so you’re already a big danger when it comes to the insurance company. You’re more likely to cause an accident, or so they are able to glean from your information, and so they’re likely to get both liability claims from a non-customer because of you, as well as your own collision and personal injury claims.
Another reason why your SR22 rates are so has nothing to do with you, but with the fact that you live in New York. New York has some of the highest insurance rates nationwide, and the main reason for this is fraud, which is enabled by the no fault system in place their. Car insurance fraud in New York is a billion dollar industry, and the more fraud there is, the more everybody else is punished for it. Somebody in New York commits fraud, and your e SR22 insurance rates go up.
Broke College Student Needs Cheap SR22 Auto Insurance
Q: I spend a lot of time studying for my major and only work part time, so it’s kind of hard for me to pay for SR22 insurance. Is there any way for me to get the rates down?
A: As a student, and as a heavy studier, you might have a chance at a decent ten to twenty percent discount on your SR22 insurance premium. Call up your car insurance company to verify that they have the good student discount. If they do, great. If they don’t, it might be a good idea to look elsewhere, because that’s too much savings to miss out on.
What is the good student discount? It’s an option offered by most car insurance companies to students of high school or college who pull an average of B grades or have a 3.5 GPA. Most companies do impose some requirements for you to get this discount on your SR22, so if you’re considering it, ask what those are. They typically are something along these lines, although all car insurance companies vary:
- Must be between 16 and 25 years of age.
- Must be a full time student.
- Must be unmarried.
Teenage Driver Student Discount For SR22 Auto Insurance?
Q: I go to school here in New York and need to find a way to make my SR22 auto insurance premium cheaper so I can, um, afford my Ramen noodles. Is there any way I can do this as a student with a DUI on my record?
A: If you’re smart and/or dedicated, you can do anything. Sometimes it seems like students have everything up against them when it comes to high SR22 rates, which have increased prices because of their age, but they also have a couple of options available to them which older people don’t.
First of all, where do your parents live? If the answer is “100+ miles away from where I go to school”, then you may be in luck. There is a discount offered by many car insurance companies for those in this very situation, but you have to meet some requirements.
First of all, if you have your own insurance policy, then you would need to drop that and get your name on your parents’ policy. Then–and here’s the hard part–you would have to leave your car with them when you go away for school every semester. You would still be able to drive your own car when you go home, and your parent’s insurance would kick in after the car’s insurance if you occasionally drove a friend’s car.
You should also look into some of these common discounts.
1. Good grades for students
2. Membership at a credit union or bank
3. Good driving history credit – no accidents or tickets (does not apply to you)
4. Military personnel discount
5. Raising your deductible amount to as high as you can
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