Reader:

I am fighting with my teenage son about the responsibilities associated with being a driver. The cost on insurance for young drivers in Pennsylvania is outrageous and I can’t take the risk that he will not be a good driver. Any suggestions?
Cassie W. – New Castle, PA

Editor:

Cassie,
Think about having your son pay for his portion of the insurance bill. That way if he is responsible for paying and knows the rates will increase if he gets a ticket or into an accident then he might be forced to drive responsibly. Also keep an eye on his grades. Many believe that those with good grades are likely to drive more responsibly. Lastly – shop around to look a better rate on insurance for young drivers in Pennsylvania. Insurance rates are extremely competitive right now so if you shop online comparing multiple carriers, you are likely to find something more affordable for both you and your son.

I have to carry SR-22 auto insurance Phoenix certificate because my driver’s license was suspended for a DUI. How long will I have to carry it?
Elliot L. – Peoria, AZ

Elliott,
In Arizona, you need to carry SR22 auto insurance Phoenix for 3 years from the date your license was suspended. For more information check out Arizona SR-22 Insurance Phoenix Requirements and Drunk Driving Laws in Arizona. To compare SR-22 auto insurance Phoenix rates from several carriers, we recommend using the internet. The rates tend to be expensive since it is for high risk drivers, but the lowest rates on SR22 auto insurance Phoenix tend to be found on the internet.

I am shopping for auto insurance quotes and have heard that discounts are out there but the companies won’t necessarily offer them to you, you have to ask for them, is this true? For example, is there a special female auto insurance rate?

Melanie B. – Tempe, AZ

Melanie,

Yes, there are lots of discounts on auto insurance quotes available out there and yes, there is a female auto insurance phoenix discount! The carriers will ask you basic questions to see if you qualify for the most common discounts, but it is a good idea to have a list yourself and ask to make sure you get all discounts available to you. Here are most of the ones available:

Type of car – an inexpensive car means lower auto insurance

Driving record – A good driving record may give you a lower rate

Mileage driven – The more you drive, the more likely you are to be in an accident. If you don’t drive much, you may get a significant discount.

Age – The older you are, the cheaper your premium is. The highest rates are for those under 25.

Gender – Females are automatically given a female auto insurance discount.

Good credit – If you have good credit, you may qualify for lower rates.

Residence – If you live in a safe neighborhood, you may be eligible for discounts.

Deductibles – If you choose a higher deductible you may have a lower premium because you will be paying if/and when an accident happens, not in the premium.

I would do some research with many different carriers including online research so that you have a good idea of all of the female auto insurance phoenix discounts and rates available.

My son is currently in the military. We are planning on him being away for close to a year. His car is still here at our home in AZ and no one will be using it. What is the best thing to do with his auto insurance? Should we keep paying it, stop it altogether or is there special military auto insurance for those presently serving?

Dan B. – Sun City, AZ

A – Dan,
Yes there are special military auto insurance Phoenix policies. It may also be possible that you can put a hold on either part or all of his auto insurance coverage and once he returns, you can re-activate his policy without any penalties. For more information, I would get a quote on military auto insurance Phoenix online which will allow you to compare several carriers and then call your present carrier and discuss with them.

My teenage son will be able to start driving on his next birthday. Do I need to additional teen auto insurance coverage for him or will he be covered under my policy.
Mike D. – Tolleson, AZ

Mike,
There are special teen auto insurance Phoenix rates available but be sure to shop around. Start by calling your existing carrier and ask how much more it will be to add him to your existing policy vs. getting him his own teen auto insurance policy. Be sure to check the internet where you can compare several policies at the same time. I have attached a banner below where you can simply plug in your zip code. I would do this before you call your current carrier so you at least have a ball park to negotiate with. While you are preparing to have a teenage driver on your hands, be sure to let your teen know how important it is to follow the rules of the road. Not only will he be safer, but you will be able to keep your available teen auto insurance Phoenix at a reasonable rate.