Auto Insurance for Young Drivers Boys Vs Girls

18 Jan

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A new driver doesn’t have a driving record, as a result insurance is extremely expensive. Insurance companies never like to pay out and statistically new drivers are involved in far more traffic violations and accidents. Due to this, adding a young driver to your current insurance policy would normally double your premiums. In order to acquire decrease insurance prices, you need to understand a couple of items ahead of shopping for auto insurance for a young driver and this contains the following.

1. Girl vs. Boy

Adding a girl to your insurance policy will be cheaper, not by a lot, but less expensive none the significantly less. Statistically, boys drive more rapidly, take more dangers, and are far more likely to be involved in an accident or get ticketed for speeding. As a result, insurance firms take into account young male drivers a greater risk than females the very same age.

2. Defensive Driving Course

A defensive driving course is one of the very best approaches to decrease premiums for new drivers. If you plan on adding a young male to your policy, a defensive driving course is strongly recommended. These courses are reasonably economical and only take about one particular day. In some states you can really take a defensive driving course on the World wide web! That is the easiest and most practical way to get reduce insurance premiums. A passing score can minimize your policy premiums by about 10-15%.

3. Good Grades

You are always after your teen to get greater grades. Adding the incentive of decrease premiums may well give them the added drive to study harder. Most insurance businesses provide a great student discount to young drivers. To qualify, the plan normally requires a B average or greater. You will have to give proof of grades, such as copies of report cards, or a note from your principal. Good grades demonstrate maturity and a accountable attitude. A very good student discount generally ranges in between 10-20%.

4. Old Automobile

Your teen may well winch and whine about the old clunker you just purchased for them, but there is logic behind your selection. Old autos generally incur cheaper repairs and the insurance premiums are less costly as effectively. Higher end, luxury autos are more pricey to insure no matter who is driving these.

5. Hold a Clean Record

New drivers don’t have a driving record. It is incredibly critical for your young driver to create and sustain very good driving habits. More than time, this will outcome in a very good, clean driving record and your rates will go down. Age is also a element. Usually, insurance organizations have ‘thresholds’ or ‘milestones’. Turning 21 will normally minimize rates and you can count on one more reduction at age 25. Acquiring married might also decrease premiums, as this shows responsibility and maturity. On the other hand, repeated offenses such as speeding or accidents will make your rates skyrocket.

55 Responses to “Auto Insurance for Young Drivers Boys Vs Girls”

  1. Ted January 2, 2013 at 6:58 pm #

    To be able to dismiss a traffic ticket from my driving history, could it be sufficient to accept course from approved NJ Defensive Driving course through online. If anybody has gone through this program, Please explain do you know the extra benefits which i manage using this course?

  2. Issac January 3, 2013 at 12:06 pm #

    Today is June 30th.

    My defensive driving course arrives to finish, This summer fifth.

    However, I won’t have the ability to appear in the court on This summer fifth. But am finishing my defensive driving course tomorrow, on This summer first.

    Can One take my completing defensive driving (that will show I completed it around the first) on in the future and never get in danger?

    Any advice? Sorry for that redundancy of date amounts.

  3. Emma January 12, 2013 at 12:10 am #

    i wish to have a defensive driving course however i havent had a citation. among the finest to consider it for that insurance discount. Shall we be held permitted to consider one simply because i wish to?

  4. Grisel February 19, 2013 at 2:19 am #

    I have to take a defensive driving course and i want to know what you do during the class. Like is there a test. Whats the test about? Is it just like drivers ed? stuff like that. Thank you very much. Oh and I am not sure if this makes a difference but i live in washington.

  5. Lionel February 19, 2013 at 4:03 am #

    I was told, that if I have a commercial drivers license, that I can not take a defensive driving course to remove a traffic ticket. Is this true?

  6. Lewis February 19, 2013 at 4:27 am #

    Ok this is the 3rd time asking this and ppl still seem to not understand. I am not asking about getting it dismissed. I paid the fine and that’s it, nothing I can do about the ticket, I know. I’m asking if I can get points off my license by taking a defensive driving course so my insurance company won’t see it and insurance won’t go up.

  7. Danette February 19, 2013 at 8:48 am #

    I’m quite a meek driver and thus have avoided driving for about a year, but have come to see not driving as a stigma I’ve had to bear. I’m looking for a defensive driving course in my area to increase my confidence when driving.

  8. Howard February 19, 2013 at 9:23 am #

    If I get a ticket , how much time do I have before taking a defensive driving course and getting it off the record.
    In my case, I got the ticket few months ago and already paid the court.

    Does this mean I have no chance in hell to get the ticket off the record?
    I am going to take the Defensive driving course in few days . Can I apply this course to
    A) Reduce Insurance
    B) Get Ticket off record

    Thanks for reading. Have a nice day!

  9. Saul February 19, 2013 at 4:21 pm #

    I need to take a defensive driving Course and they gave me the option of either doing it online or just attending a 6 hour class. How is it online, is there a test after wards? Is it hard? just give me some details, please and thank you.

  10. Ernesto February 19, 2013 at 4:53 pm #

    i want to take a defensive driving course just to lower my insurance can i do this in NY get my certificate or whatever then bring it to NJ and it still be valid does the insurance company care where i get it at or just the DMV for point purposes?

  11. Lacy February 19, 2013 at 7:19 pm #

    i got my first speeding ticket and i want it off my record, i was wondering if i take the defensive driving course will have to pay the court fees, class fees only or these fees plus the ticket itself?

  12. Denver February 28, 2013 at 5:23 am #

    I got a traffic ticket in Texas state and I want erase it as soon as possible. Could any one suggest me which is the best method to erase it.. Online or classroom course? How long will it take to complete defensive driving course online?

  13. Lewis March 12, 2013 at 9:02 am #

    I’m 17 and turn 18 in august but not being able to drive after nine is a huge pain in my butt. If i take a defensive driving course would i then be able to get my night license? If not it there anything i can do other than waitng till im 18?

  14. Yaeko March 15, 2013 at 11:05 am #

    I am currently on my paretns insurance and will be getting my own insurance once I buy a car. I am taking a defensive driving course at the end of the month which will qualify me for a discount on my insurance premiums.

    If I get insurance before I take the course, will I be able to get eth discount once I have taken the course, or do I have to wait until I purchase my next 6 months of insurance?

  15. Berna March 16, 2013 at 6:05 am #

    I got a ticket a while back and they gave me a list of approved defensive driving courses, but I lost it…

  16. Nova March 20, 2013 at 12:36 am #

    I want to take a defensive driving course but am not sure when to take it. Is it before a road test or can I take it after?

  17. Garland March 20, 2013 at 5:31 am #

    i went to court for driving without a license. i was told to take a defensive driving course and the judge said it would be easier to take it online.
    where do i go too?

  18. Berry March 20, 2013 at 3:19 pm #

    I took a defensive driving course for speeding in April but it was for a different county about 500 miles away (same state though). On the ticket it ask if I had taken a defensive driving course in the last year but if I say no will they find out somehow?

  19. Margert March 20, 2013 at 3:48 pm #

    i was told i can rent a defensive driving course from blockbuster, to use to get my ticket dismissed, is this true. i live in texas.

  20. Ignacia March 20, 2013 at 9:50 pm #

    The course said I have as long as I need to complete the defensive driving course.

  21. Jeramy March 21, 2013 at 8:59 am #

    I got in a fender bender (with a fairly expensive car) earlier today. I know taking a defensive driving course will keep the points off of my license, but will it also keep my premiums from going up?

    I’m not sure if insurance rates are based on your driving history, or what the company has to pay out for you. But if anyone is familiar with this process, your knowledge would be greatly appreciated. Thank you!

  22. Alana March 21, 2013 at 2:32 pm #

    I got a speeding ticket in mississippi and they said i could take a defensive driving course to get out of the ticket, so i was wondering has anybody ever taken this course? Its a one day course for about 4 hours..what are some examples of stuff they would try to teach me to do?

  23. Lashonda March 22, 2013 at 7:26 am #

    i have to take a defensive driving course for sgi because i was in an accident, i just wanna know what it is and what you do on it?

  24. Toney March 22, 2013 at 12:10 pm #

    I made an accident on the freeway while driving my uncle’s car. The insurance is not in my name. I would like to take the defensive driving course so that I can avoid points on my license, but they say that the auto insurance has to be in my name to get an approval to take the defensive driving course. Is there any way for me to avoid getting points on my license? Please help me. Thank you.

  25. Danial March 22, 2013 at 4:43 pm #

    I am taking the texas defensive driving course online, and I am wondering what the final is going to be like.

    And before you call me anything, let me just say that I got a speeding ticket for going 5 miles over the speed limit. There was no alcohol or drugs involved.

    What kind of questions wil be on the exam and how many questions will there be?

  26. Dwain March 22, 2013 at 8:18 pm #

    I was looking to take a Defensive Driving course to lower my monthly insurance rate. However, if I take Defensive driving now will I not be able to take it again to expunge a ticket if i get one later on?

  27. Arthur March 23, 2013 at 2:00 am #

    I am looking to lower my car insurance with geico but I do not want to do the online defensive driving course. I want to do a classroom setting one I am in

    New York State

  28. Prince March 23, 2013 at 3:35 am #

    Arizona court ordered me a traffic ticket. Can any one suggest me the best source where I can get the complete information about Arizona defensive driving course to dismiss traffic ticket from my driving record?

  29. Tianna March 23, 2013 at 11:59 pm #

    I just received my driver’s license earlier today. I heard that a defensive driving course reduces your insurance costs by ten percent for three years. I also heard that it is a six hour class where you just keep watching videos or something similar.

  30. Rodger March 24, 2013 at 3:08 am #

    I received a ticket that says I can take a defensive driving course and have the ticket dismissed. It also states that to do this I have to write to the court and send $107.00 for the states course. How do I bipass this and take the HEB course and let the court know I am doing this?

  31. Gene March 24, 2013 at 11:02 am #

    I recently got a speeding ticket and opted to take defensive driving course to remove it from my record. But I really don’t know which one to take. I’d much prefer an online course and one that isn’t too incredibly boring, but mostly I need it to be effective.

    Any recommendations? Please explain why or why not I should use the program you suggest. Thanks!
    I live in Texas. Also, I know what’s available, but I was hoping someone could recommend a good course so that the one I pick isn’t completely lame.

  32. Teena March 24, 2013 at 11:02 am #

    I passed this course in the middle of 2007 and got this certificate, but i can’t use it as one of discount factors when i am gonna to buy an auto insurance. The licensed auto insurance agents told me that Defensive Driving Course Certificate can’t be used to get more auto insurance discounts for Texas? Why? It’s so weird. So, why Texans need to take that course besides for a court when i got a speeding ticket?

  33. Sherlyn March 24, 2013 at 1:20 pm #

    If I get a ticket , how much time do I have before taking a defensive driving course and getting it off the record.
    In my case, I got the ticket few months ago and already paid the court.

    Does this mean I have no chance in hell to get the ticket off the record?
    I am going to take the Defensive driving course in few days . Can I apply this course to
    A) Reduce Insurance
    B) Get Ticket off record

    Thanks for reading. Have a nice day!

  34. Leonard March 25, 2013 at 1:36 pm #

    I’ve recently decided to take a defensive driving course to have my citation dismissed. Now I’m not sure if I should take an in person class or take the online class…

  35. Vanita March 25, 2013 at 9:20 pm #

    I just got 2 points from careless driving ticket and I am having a provisional license. Do you think I can take a defensive driving course to reduce my points on my provisional license? I know the surcharge does not apply for provisional license. So I am wondering whether or not taking defensive driving course will help reduce points and decrease the insurance rate?
    Thank you so much.

  36. Lowell March 25, 2013 at 9:45 pm #

    I just got my G1 a few weeks ago and i live in ontario. Im aware that im eligible to take my g2 test 4months earlier and lower my insurance but i dont know which course allows me to do so. Is it driving school or the defensive driving course? or are they both the same thing? if they are different, what are the differences.
    Hope its not to confusing :$ Thanks in advance.

  37. Maud March 26, 2013 at 2:52 am #

    i plan on attending a defensive driving course i would like to know if i have to pay for the ticket and the coarse? Is it refunded back after or do they take the cost of the class off the ticket?

  38. Earleen March 26, 2013 at 6:11 pm #

    If I take a defensive driving course, do I have to pay:

    A) Just the Court cost


    B) Both the Fine and the Court cost?

    P.S: I lived in Texas btw

  39. Tyson March 26, 2013 at 7:58 pm #

    ..for dismissing a speeding ticket.
    i just want to know some of your personal experience with online defensive driving courses cause i’m thinking about taking one.

  40. Cruz March 27, 2013 at 12:42 am #

    I received a ticket a month ago for speeding. I opted to do defensive driving. I have not yet taken the defensive driving course. On the informational brochure it specifically states that I may not use defensive driving again if I have “taken” a defensive driving course to defer a ticket in the past 12 months. Since I technically have not “taken” the course would it be possible to use that single course to defer both tickets? What would happen if I attempted to do so?

  41. Darrell March 27, 2013 at 5:22 am #

    Ok, so i got a speeding ticket in NY. It was 6 points but judge reduced it to 4 points. If i were to go to a defensive driving school would the four points be removed? My defensive driving course expired well over a year ago.

    Will my license be clean if i go to traffic school and remove the points?

  42. Norbert March 27, 2013 at 6:45 pm #

    My friend told me that if he gets pulled over again, his license may get suspended because he attended defensive driving course to remove two points he received . Is that true ?

  43. Jamila March 28, 2013 at 3:27 am #

    I had my licence stolen and I have to go to a defensive driving course tomorrow with my boyfriend. Can I still take the course with no license on me?

  44. Earl March 28, 2013 at 5:01 am #

    or maybe a defensive driving course that mails you the certificate within 10 days?

  45. Vincenza March 28, 2013 at 7:13 am #

    I have some points in my driving license. I would like to know if defensive driving course and point reduction course are the same. I would appreciate if somebody give me some ideas to reduce points in my driving license.

  46. Moises March 28, 2013 at 8:30 am #

    I want to take the defensive driving course to get the insurance discount. Do I still need a driving record or can I just take the course? Also which one is better ONLINE or CLASSROOM?

  47. Sana March 28, 2013 at 10:01 am #

    I was driving my friend’s car and got a citation. The insurance of the car does not include my name. Am I able to apply and take the defensive driving course? I live in Houston TX

  48. Thomas March 28, 2013 at 2:34 pm #

    so a while i go i finished my defensive driving course and i sent in to court by mail it’s been like 3 weeks or so and i haven’t heard bk should i be getting anything back o not ?

  49. Mary March 28, 2013 at 11:37 pm #

    I have been driving for two years and I’m barely getting my name added into my parents insurance, but it goes up due to a speeding ticket i got 5 months ago. I need to know if I can still take the Defensive Driving Course to get it out of my record? Thanks!

  50. Loreta March 29, 2013 at 3:25 am #

    Hi i am Gramy from New York recently i got a traffic ticket inorder to reduce my points which course i have to take.Suggest me any online New York Defensive Driving Course to get rid of my traffic ticket and to get any auto insurance discount.

  51. Noel March 29, 2013 at 9:09 am #

    I’m trying to go through drivers ed so that I can start driving and get a job and such, but after I get my permit, do I have to take a defensive driving course to get my license?

  52. Catharine March 29, 2013 at 8:23 pm #

    I have a four hour defensive driving course tomorrow. What’s it like? I understand every class is different, but what can I expect?

  53. Louie March 30, 2013 at 1:37 am #

    My sister-in-law got a speeding ticket yesterday and she intends to go to a defensive driving course to keep her insurance rate from going up. She does not actually have her driver’s license yet, she is still driving on her learner’s permit. Can she still take defensive driving if she only has a learner’s permit?

  54. Marya March 31, 2013 at 6:31 am #

    So I got a speeding ticket the other day for going at 74 miles per hour on a 55 zone in VA. When I get to court, I’m planning on pleading “no contest” and try get this off my record by taking a defensive driving course. So, can I take the course before my court date so that I don’t have to go twice? Or do I have to explicitly wait for the judge to allow me and then take it? Thanks for any answers in advance 🙂

  55. Anthony April 26, 2013 at 4:58 pm #

    I took a defensive driving course online last year. I do not remember the code and cannot locate my paperwork for the course. Does anyone have any idea how I could get ahold of it?

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