In fact, although direct service insurance companies can usually offer lower rates, experts say a good agent may be able to maximize your good qualities to help ease your rates down a bit more than an impersonal, online agent would. The DriveSafe program is not like other driver tracking devices in that it won't affect your insurance rates or your teen's one way or the other; rather, if offers an ongoing monitoring for parents to put their minds at ease, while being a very big incentive for the teenage driver to drive in a safe, responsible manner. The tradeoff, of course, is privacy and the indignation your son or daughter may feel when mom and dad decide they need to be "tracked. " Those are issues that each family has to settle according to its own rules and dynamics; but if you want a higher level of control in those first years or months your teen is behind the wheel, this is the program to provide it. Having said all that, there still is the reality that teenage drivers need insurance and, because they're considered high risk, it's relatively pricey. If your current insurer will add your teenager to your policy, rates will likely be considerably lower they can always reimburse you. There are no companies we found that are better or worse, rate wise, when it comes to teen drivers, but larger, direct sale companies like Esurance and GEICO might possibly be new driver friendlier. In addition, virtually all companies offer good student discounts, which can provide an additional incentive for a new driver to hit the books. A large part of an insurance premium depends on the type of car you drive. Is it a Corvette?Lamborghini?Maybe a Ferrari?Or perhaps you drive a Chevy Volt?Each car will impact the base cost of your monthly insurance mainly for the replacement value of the vehicle. In fact, some states and auto insurance companies will not cover certain vehicles.
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Do the homework to get better quotes/ lower rate quotes. The Internet is the perfect place to do just that. Web sites are up and running to give you reasonable auto insurance quotations anytime of the night or day. Your first step to choosing the right auto insurance company is to consider the type of coverage that you need. For instance, if you have a less than perfect driving record or past credit problems, you may want to compare auto insurance costs from companies who specialize in giving customers a second chance to earn discount auto insurance. If you own more than one vehicle, you may find that some auto insurance companies will offer cheap auto insurance rates in exchange for becoming your exclusive provider.