Auto Insurance Price Increase?
Hello everyone…
December 5th, 1010, I should be able to get my driver’s permit, however, my parents agree that I have to be able to pay for my insurance increase or else I can’t get my permit. Does anyone have any idea how much that increase might be?
General Info:
Age: Will be fifteen years and six months
Insurance Company: Farmers Insurance
Classes Taken: None
Grades: Over 3.0
School: Glendale Preparatory Academy (College Prep School)
Location: Arizona
Any estimates would be appreciated. Thank you all and good night! 
September 27th, 2010 at 11:11 pm
Call your agent and ask for a quote. Take a drivers ed class and get the certificate, that will lower your premium. If you get good grades, get a copy of your report card and give it to the agent, that will lower your premium. Do this ahead of time. Ask the agent if you can pay monthly and how much deposit to do that. No one can estimate how much your insurance will be. It varies by state and location and driver. Premiums are developed by looking at prior years losses. Each year you drive with no accidents will lower your premium considerably. When you start driving, and I can’t stress this enough, stay well behind the car in front of you. Stay back twice as far as you think you should. The reason why is because new drivers take three years to train the subconscious mind depth perception. Because you are young, you have better reflexes but you do not have depth perception developed yet. The number one teen accident is rear enders. You can’t stop fast enough because your brain isn’t trained through enough experience yet. So just stay back and you eliminate that problem. Neither of my kids had accidents because they heeded my advice in that area. And I know they would have if not. My daughter was terrible at first. And my son just went too fast. They’re both great drivers now and no accidents ever. One is 42 the other 38. Also, don’t cart a bunch of kids around. It distracting and you could very well have an accident. Keep the music down and your eyes on the road. Driving is serious business. You don’t want to know you hurt someone for the rest of their life because of carelessness. I’ve even seen kids texting while driving. Good Grief! I trust you are a level headed young lady or you wouldn’t be asking here on answers.
Good luck.