Thursday, July 2, 2009

Hassle Free Car Insurance for 17 Year Old's

By John Perkins

Buying your 17 year old car insurance does not have to be hard. In fact it can be fairly simple; however there are a few things that you will need to take into consideration. The first thing that you will need to think about is how much insurance coverage you want to purchase for your teenager. You also need to decide whether you are going to pay for your teen's insurance or if they will be responsible for the bill. You should also think about your budget.

Obtaining insurance for a 17 year old is not hard. In fact it can be fairly simple. Get out a phone book and start calling insurance companies. You will need to tell them that you are looking for a quote for 17 year old car insurance. It is important that you call several different companies to make sure you find the best rate on car insurance for your teenager.

If you want to save sometime you should try looking online for 17 year old car insurance quotes. Many site offer quotes from several different insurance companies. This can be a very helpful tool when you are shopping for car insurance for your teenager.

You may also benefit by calling an insurance agent. An insurance agent will try to find you the best rate on 17 year old car insurance. You should find an agent that is well known and respected throughout the community. It is also helpful if they are members of the BBB.

When you are deciding how much insurance your 17 year old will need you should take into account how mature your child is. If your teenager is accident prone then it might be smart for you to obtain full coverage insurance. If your child is fairly responsible then you may want to purchase the state minimum insurance. You should keep in mind that state minimum insurance will only cover any damage done by the driver to another vehicle. State minimum car insurance will not cover any damage done to the vehicle if the driver is at fault.

If you or your teenager has a loan on the vehicle you want to obtain insurance for, you will not have a choice in coverage. Banks and lien holders require that you carry full coverage insurance on any vehicle that has not been paid off.

Make sure you speak with your teen about who will be responsible for the insurance bill. If you are expecting your 17 year old to pay for their own insurance, then you need to tell then just how expensive 17 year old car insurance can be. It is important to make sure that they will have the money to pay it every month. It is also important to explain to your teen the consequences if they don't pay it. In many states you can lose your license for driving uninsured.

Friends and family can be a great resource when purchasing 17 year old car insurance. Many of them will be happy to tell you who their car insurance company is and if they are satisfies with the service that they receive. Word of mouth is a great tool when purchasing insurance.

Getting your 17 year old car insurance should be fairly easy. If you shop around you will be sure to get the best rate on the insurance that you need.

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