Teen Driver Auto Insurance Premium Rate Missouri MO

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Reader’s Question:

Hi. I just got my drivers license here in Missouri. I learned that my auto insurance premium rate will be high just because I am a teen driver. Why is that? I am a responsible and careful driver, isn’t that going to be a consideration?

Leopold

Independence, MO

Hello, Leopold of Missouri. It’s nice to know that you are a responsible and careful motorist. We need more drivers like you.

Unfortunately, auto insurance companies will give you a higher than usual auto insurance because of your age. Statistics show that teen drivers figure in accidents more often that mature motorists. This is not to say that all teen drivers are reckless, but from a business point of view, it would not make sense to consider teen drivers as generally levelheaded drivers. Stats just won’t back it up. Another factor is your lack of driving experience. It is a fact that you haven’t been driving around Independence for a long time. Your driving skill is still not as refined as auto insurance companies would like.

There are ways to affect your auto insurance premium positively. If you enroll in a defensive driving class, for example, the auto insurance company just might smile your way. You have to show proof that you really are a careful and responsible driver. Of course, you have to maintain a really clean driving history for that to really stick. There are auto insurance companies that provide discounts to students who have good grades at school. If you’re still a student, you might want to work on that, too.

You see, YOU may be a responsible and careful teen driver, but the rest of the teen driver population picked up the slack for you for irresponsibility for you.

Tags: auto insurance premium, Car insurance discounts, Student car insurance, teen

Vehicle Insurance Premium Rate Columbia, Missouri MO

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Reader’s Question:

I work at home and my wife uses the car much more than I do. We’re in Columbia, Missouri. When we applied for auto insurance, someone suggested that I place her as the primary driver. Does that really affect the auto insurance premium rate?

Thomas

Columbia, MO

Yes, Thomas, it does. This is true in Columbia, Missouri and the rest of the country. This is where we- as men, can shout “unfair!” and invoke the equality of all men and all those things. But the thing is auto insurance companies have the statistical data to back this up. Female drivers are considered safer drivers compared to male drivers. Because of this, female drivers are generally offered cheaper premiums than men. You see, premiums are based on several factors. Statistics occupy a large chunk of it. These statistics show that females are better and safer drivers. In over 90% instances of dangerous driving, men figure prominently. Statistics further add that female drivers tend to drive slower and they’re more careful when on the road. Studies also show that women tend to drive short distances most of the time. Although studies also show that women tend to have as many accidents as men, their accidents are not usually as serious as the one where men are involved. Now, females get cheaper premium insurance rates. Couple that with other premium buster tips and you’ll be surprised at how much your wife can lower your premium rate. You know, buy a safer car or purchase other insurance like homeowners from the same insurance company, that’ll afford you more discounts. If you and your wife only drive short distances, you might also consider looking for policies that offer discount for lower mileages.

Tags: auto insurance, car insurance quotes, car insurance rate

Auto Insurance Claims St. Joseph, Missouri MO

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Reader’s Question:

I got into a car accident in St. Joseph, Missouri, a couple of weeks ago. And there was no police around to do the report. Can I still make claims on my car insurance?

Barbara

St. Joseph, MO

Hi, Barbara. Sure you can still file for your claims. You see, these insurance companies set a time frame with which you can file your claim with them, and this is regardless of whether you have a police report or you don’t have a police report. Now then, if you are lucky enough, and I will bet you are because that has almost always been the case, there are those insurance firms that will even allow you to file your claims from six months to at most one year after the incident happened. Just to be sure, please go check with your local insurance agent in St. Joseph, Missouri or go read on Missouri’s regulations on the length of time they will allow late claims for accidents without an accompanying police report because they could of course vary from state to state, as the case may be. You can also check Missouri’s Bureau of Motor Vehicles. As for now, you can already starting making your own report by recounting the events of that day, how you got into the accident and why there was no police report. There are no guarantees of a successful claim, unfortunately. It is ultimately the insurance company’s discretion if your claim with no police report is valid or not.

Good luck Barbara!

 

Tags: auto insurance claims, car insurance