Best Insurance Company for Underage Drivers, Cheap Car Insurance for New Teen Driver

Shop around: Rates can vary as much as 100 %, depending on the coverage desired.
Don't overbuy collision and comprehensive coverage: The average driver rues a collision, fire, or theft claim only once every 10 years or so.
Use bigger deductibles: Increase of $50 in the deductible can reduce comprehensive coverage cost by up to 30%, collision by 10% to 20%.
Eliminate duplicate coverage. Don't buy medical payments coverage if the family already has adequate medical insurance through job-related benefits.
Take advantage of discounts that insurance companies offer for low mileage, driver education courses, and geographic location. Most common saver: Insuring a second car on same policy as first vehicle.

How To Collect Full Auto Insurance Benefits: Expedite your insurance claim-and increase your chances of a fair settlement-by keeping careful records of the accident.
Guidelines:
• Immediately set up an orderly title containing police reports, repair estimates, hospital bills and copies of claims submitted.
• Document everything in writing. Write a follow-up letter confirming any telephone conversations with insurance company representatives. Include the date and the names of the persons with whom you spoke. File a copy.
• If the insurance company stalls, check your policy to see whether your coverage includes use of a rental car during the settlement period. If so, rent one. By spending the company's money, you may speed up the claim.

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Best Insurance Deal For Teenage Drivers: Your teenager has just gotten his driver's license. You are thinking about getting him a car, but you are confused about how to insure him if you do.
Typical questions:
Should you register the car in your name or his?
Should you get him his own insurance, or add him to your policy?
If you have your own business, should you give him access to a company car and cover him with the company's insurance?
Factors to consider:
The cheapest way to insure a teenage driver is to restrict his time on the road. Reason: Insurers make a distinction between principal operators of cars and occasional drivers. A principal operator is someone who drives a car more than 25% of the time it is on the road. Cars whose principal operators are high risks (teenagers and specifically teenage males)
cost the most to cover. Restrict a teenager's driving time to 15 % to 20%.
If you opt to give your teenager unrestricted access to a car, insurance generally will cost the same regardless of the car's registration and regardless of whether the teenager is covered under the parent's policy or his own. However, in some states the highest rated car will take on the underage driver classification.
When the car used by your son becomes the second car in the family, you will get a 15 % discount by adding the car to your own policy. If your family has two cars, the overall discount percentage will be reduced by putting a third car on the same policy.
Liability is the key consideration in deciding whether to insure a teenage driver with his own policy or his parents'. If a teenager injures people or property in an accident, his own insurance should be broad enough to cover him sufficiently. If the teenager is covered under his parents' policy, however, they are likely to be sued.
The person who has his own business and lets his teenager use a company car will save the most in insurance premiums. Reason: The rates do not increase because the owner's teenager drives a company car.
Risks of this approach:
If the teenager injures people or property in a company car, the company can be sued.
If the teenager has an accident, or even if he does not, the insurance company may have second thoughts about renewing the company's automobile coverage.

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Source: Consumer Information Center

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