Auto Insurance for Teens Florida FL

Reader’s Question:

Why is it that my friend here in Florida keeps complaining that her teenage son’s auto insurance is a pain? I mean, I have my son who’s definitely going to ask for his car soon. Should I start preparing?

Tracy

Tampa, FL

Hi there, Tracy. Good day to you there in Florida. That situation your friend is in is not a rare one, and it is actually one of the most common situations parents of new drivers face. Let me just share that auto insurance companies do monitor vehicle accident statistics.

Among young drivers, it is usually the males that get into more auto accidents. No wonder the auto insurance companies don’t really agree on giving cheap rates to young male drivers. However, as a responsible and prepared parent, you can still avoid falling into the same trap as others have done so in the past. You can prepare your child to join the rest of the driving population, and this means making him learn all the basics. This is actually important since auto insurance companies do value insuring those with clean driving records. If possible, check with your current auto insurance provider if they recognize defensive driving courses in your state. Some may even give a discount. You can also inquire about good student discounts and limited annual mileage programs that you can avail of for your son. Also, remember that your son is still learning the ways of the road, so when you give him a car, insist on safety. It doesn’t have to be the most expensive car on the lot to prove how valuable your son is.

Tags: Car Insurance Company, Car insurance discounts, car insurance rate

Driving Without Car Insurance Florida FL

Reader’s Question:

My son is 20 and lives with me here in Florida. His auto insurance got cancelled due to numerous traffic citations but still drives his car around the neighborhood. I’m worried that he might get involved in an accident. Can I use my homeowner’s insurance if he gets involved in a wreck?

Marie

Tampa, FL

I strongly suggest that you ground your son’s car immediately and help him avail of an auto insurance policy as soon as possible. Driving around uninsured is against the State of Florida traffic laws. Every car owner in America is obliged to obtain motor vehicle insurance coverage to protect others from the possibility of property damage or bodily injury. This means that every driver, even one bearing a learner’s permit, is expected to have financial responsibility over the accidents they cause. You and your son should start looking for an insurer right away that would agree to take him even if he already has numerous traffic citations. Don’t delay. You never know when your son might be involved in a wreck.

Your homeowner’s insurance provider would not cover any losses if he ever gets involved in one. You might also get sued since you have knowledge of and still allowed a member of your household to drive around without motor vehicle insurance. Save yourself from the hassle of going to court and the risk of endangering your home and other assets. Start making calls to car insurance companies, and in the meantime, make sure your son is not sneaking behind your back and taking his car for a drive.

Tags: auto insurance, driving without insurance, traffic violation