A parents guide to insurance for their teen driver

[@Noname-ez3ru]

Think insurance you should scroll a list of the cheapest insurance for each state instead trying to catch every person who ask that question for there state its almost impossible and easier for people trying to achieve things instead trying to talk to some guy on KZbin but I'll just do my own research cause no youtuber has put this thought on there mind but thanks you have help a little bit

[@ThinkInsurance]

You are spot on! Hindsight at it's best.... I did start making state by state ones too, which is what you're kind of saying but I just need more time in the day :-)

[@Noname-ez3ru]

@@ThinkInsurance Thanks for working and taking responsibility to do this without being ask its something amiribul keep going👌

[@minervajimenez1673]

Hi my Son just got his license he is 17, I’m looking for the best price!! But all are very expensive, we live in Az. Thx for your time.

[@ThinkInsurance]

If he need his own policy I would look at QBE and Geico there however, if you have insurance, he’s a lot cheaper in most cases under yours

[@gachaalex6039]

What insurance is good in Florida

[@carlosflores-nr3yg]

AZ ???? Please recommend one in Arizona ??

[@ThinkInsurance]

Travelers and Progressive tend to be decently priced in AZ.

[@tashaharrell2829]

In tx,have 17 and 16. Going also will have a 93 foxbody mustnag...

[@eveneary116]

Hi Mark, Do you have a recommendation for insurance companies in Michigan for my 16 year old son?

[@ThinkInsurance]

Yes, if you search Valor Insurance Group on KZbin. I have several videos under that you/he can watch specifically for Michigan

[@eveneary116]

Thanks! I'll check it out 🙂

[@mikecassidy3174]

Hello, just looking for a few teen-friendly insurance companies that would cover southern California. I have a 21 year old, 19 year old, and soon to be 18 year old and I am about to add the 21 year old and soon to be 18 year old to the policy. I know we are going to take a big hit but I want to try and minimize it. Also have a micro, micro business (drive less than 6,000 miles a year) and we need to try and drop the costs there as well. thanks in advance for any information you can provide, and thanks for the fantastic videos. Still working my way through them!

[@ThinkInsurance]

Geico and Mercury are two I would look at. Wawanesa as a backup

[@lanenita321]

Thank you for the info. I am 52 and my daughter is 18 and got her DL. She lives at home and is a FT student. We live in Silicon Valley. I added her to my insurance with progressive and from paying around $800 for 6 months....now they are billing me $2020 for 6 months. we drive a 2012 prius and she is an occasional driver. please recommend companies to explore.

[@ThinkInsurance]

I would check with cover (link is in the description) because they shop 30 companies, one being, Grange and i think National General who are fairly competitive there. Other than that, Esurance would be a back up

[@notaverage3965]

What happens if you insure a kid under a cheap car but they almost never drive that car and they only drive a more expensive car and what if they get in a accident in the car that’s more expensive?

[@ThinkInsurance]

The car would be covered is a covered driver crashed it unless, there is an exclusion or specific wording against it in your policy However, it’s a form of Fraud to lie about what car each driver drives to lower the cost. It’s risk avoidance.

[@jnau8196]

Mark. What about Root Insurance?

[@ThinkInsurance]

You can give them a shot. I did to a full review about them on this channel if you want to check that out.

[@vbalaton]

My son (16yrs old) just got his license yesterday. We have liberty mutual and i was quoted 165 ( will added discounts already) to add him. Is that decent or start shopping around?

[@ThinkInsurance]

What state? Did you add a car or just him? Typically a new driver is $100-150/mo more

[@vbalaton]

@@ThinkInsurance California and we are adding him to ours. My wife and i pay 140.

[@ThinkInsurance]

After checking some sources the $150 seems to be normal. What you can do is check with Wawanesa and Grange to compare since they are competitive with young drivers. If it’s not affordable you can exclude your son from the policy but be careful. You might want to watch my video about excluding drivers if you do.

[@LisaLaBoriqua]

I'm in Illinois lisa

[@emilyfearless2541]

Hi, this is a great video thank you I have a question. I am in California and I currently have state farm insurance. I bought a car for my son he’s 19 with a permit they quoted me $890 for full coverage only on him for six months, what should I do?

[@ThinkInsurance]

Full coverage only? If it’s $890 for full coverage which is liability, comprehensive and collision for a young driver, that’s not bad. Unless you think it’s to high, I would consider it myself

[@michaelhill5181]

Good insurance for oklahoma?

[@ThinkInsurance]

Cheap is geico, good and cheap is Allstate and Progressive. At least in Oklahoma

[@nhatkhanhnguyenle2713]

Hi I’m an 18 year old female, has been driving for almost 2yrs no ticket no accident, and is driving a 2006 Toyota Camry. However, since my brother, who’s turning 16 this year and is about to get his permit, going to drive soon, I’m giving him my car and planning to buy another used car (2016 or up Toyota RAV4). How would the quote be? p/s: I’m on progressive right now

[@ThinkInsurance]

The best way to get an accurate quote is to find a VIN for a car you’ll likely buy and change it on your policy. Just don’t save it. You’ll likely pay 30%+ more outing full coverage on it.

[@nhatkhanhnguyenle2713]

Think Insurance thank you so much! I really thought you wouldn’t reply. You just gained a subscriber!

[@robles4409]

I have a 16 yr old in California what’s the least expensive insurance

[@ThinkInsurance]

In my experience the most competitive companies for teens in CA are going to be Esurance, Geico and 21st Century - Just be careful to know what coverages you want before you call them because they are not the best at recommending them. They tend to lean toward the state minimum to give a cheap price.

[@knilsen1501]

My son just turned 18 and got his driver's license, if I don't tell my insurance company about him, at what age can he drive my car without being put on the policy, because I can drive my father's car and if I got into an accident I would be covered.

[@ThinkInsurance]

Unfortunately, he wouldn’t likely be covered if he drives your car and gets in a wreck. Most policies state that any licensed driver in the household need to be listed or excluded from your policy.

[@carolsw3943]

Hello, great video! I have a 16 year old who will be starting to get his learning permit. He will be driving a 2010 Toyota matrix or our 2022 toyota rav. We have Liberty Mutual. Is that a good company for this in TX?

[@ThinkInsurance]

Farm Bureau and Geico are two I would look at

[@sandramaldonado1698]

Hi I’m in FL my son turned 18 they charging me almost $400 for him no choice just because he lives with me. He barely drives in high school he has no car. What can I do

[@ThinkInsurance]

It’s a lot of shopping around. Florida is so up in the air with insurance right now it’s hard to say who’s best from month to month right now. Look up an independent agent who can shop around with multiple companies

[@suburbanboyyj5263]

16 with a infinity g35 in Florida any insurance suggestions?

[@ThinkInsurance]

I would check with State Farm and Geico

[@charlenedavid9751]

My 19 year old son got his drivers license last month. He will be attending a local college in Fall 2020. My husband has a commercial drivers license and I have a regular license. We are age 55, 52 and 19 Houston TX.

[@scottwaroquier4602]

Hi Mark. Scott from Michigan. My 22 yr old son bought his first car yeaterday. 12/27/22. We need insurance for him. Hes not on my policies zero tickets zero credit. He has a full time job and he paid cash for his car. Can you help or guide us. Thank you

[@ThinkInsurance]

I can help if you're in Michigan... I have an agency that is in Grand Rapids. You can fill out my quote form in the description or if you just need more advice, look up @valorinsure - Valor Insurance Group on KZbin.

[@scottwaroquier4602]

@@ThinkInsurance thank you Mark. My son just filled out your online quote. His name is Joseph W

[@tatyanavdovich2440]

Hi, what is the best insurance company for us. We live in Columbus Ohio. We have a 17 year old son who has 1 year driving experience and is a good student with a 3.8 gpa, no tickets, no accidents. Thank you.

[@ThinkInsurance]

Erie, Geico and maybe Hastings mutual are who I would look at

[@gg8719]

Hi I’m 16 , and I have to get my own insurance in NC , the car is a 2001 Hyundai Santa Fe. What would you recommend?

[@ThinkInsurance]

Progressive, Erie and Geico are 3 good options there

[@estegueydijo....]

As a parent my question is, my female 18 yo just got her permit, 2000 honda accord under my liability progressive policy at 98/month, how much do you calculate it will go up if I add her, or is it better for her to get her own?

[@ThinkInsurance]

It's hard to say. It can range anywhere between $50 - $150/mo

[@estegueydijo....]

@@ThinkInsurance thanks

[@kawtharbakhach5848]

I'm 19 just got my first car hope this has some useful tips

[@michael96701]

that’s a little late

[@Noname-ez3ru]

What's so great about "TIPS" just give something useful

[@saq17z21]

Do you think a 2019 jetta is a good option for a new driver?

[@ThinkInsurance]

It really depends on your finances. For a normal family no. Start off with a good used car that you don’t have to put full coverage on. That is the most budget friendly. That being said, if you or your family has a larger income then yes the Jetta is a good vehicle. Repairs are more expensive on it but a decent vehicle none the less. If you’re concerned about the cost it will have on insurance, get a VIN (vehicle identification number) from one online you are looking at and get a quote or two. That will give you an idea of the insurance cost.

[@saq17z21]

Mark Flockhart thank you I really appreciate your reply!

[@magoga786]

Sacramento California? I have a 17 yr old that got her license. Company recommendations?

[@ThinkInsurance]

I would try USAA, Geico and Travelers in CA. They don’t seem to be as heavy with teen drivers lately. Maybe State Farm

[@vanitas783]

Hi. We insure one car currently, and just bought another that we need to also insure. We have a teenage son who turns 17 in October, is about to get his learners permit next week (week of Sep 3). Need your opinion on what we should be doing here... 1) Find another insurance provider for 2nd car, and add my son there only, so that the current first car insurance doesn't go up? 2) Stick with current insurance provider for 2nd car and add him to 2nd car there? 3) Which insurance companies in PA are good for teen drivers? 4) Other tips? We are currently with Progressive, with whom we have very good rates for our current (first) car. Thanks much!

[@ThinkInsurance]

I just made a more in depth video about this exact situation 😉. Best insurance for young drivers and my recommended companies kzbin.info/www/bejne/oJzFhXmupKuti5Y

[@tiredofcooking1969]

Hello....I have an 18 yr old. Who is driving his own car and the car is covered under my insurance but not him. I’m ready to add him on. Which insurance you recommend? I live in Phoenix AZ

[@ThinkInsurance]

Geico, Safeco and AAA/CSAA are good choices for a family with a teen. I have a co worker who could check aaa, Safeco and some others in AZ. If you’re interested just go to thinkinsuranceguide.com and click “get quote”. I’ll pass your info to him if you want.

[@miliqve3265]

I'm 16, student , male, in California so what's a good insurance company to go for?

[@ThinkInsurance]

Although I don’t love the companies, the best prices I can think of for young drivers in CA are, Esurance, Geico and 21st Century. They are not ver consultative so I would recommend knowing close to what coverages you want before calling. If you don’t know where to start one of the first videos I made is called insurance 101 - What you need to know.

[@ous_mr.plenty]

I’m 16 and just bought a car what company should I go with in Greensboro NC

[@ThinkInsurance]

In NC Geico and Progressive usually are the cheapest option although almost all companies are inexpensive in your state. NC is generally a lower risk state. 6 months from now you will likely get better pricing. For now you can try this number which routes you to diff companies (likely Geico) [phone].

[@ous_mr.plenty]

Thanks man I really value smaller KZbinrs who can actually advise their viewers

[@pixeabrea3897]

My son is 18 senior year in high school in Oregon, do you know how much insurance cost I will save if he goes driver education school? Thank you!!

[@ThinkInsurance]

You can ask your agent or insurance company for the exact amount but it’s normally between 6%-10% in average

[@rockjohny360_]

Hey this was informative video. I have a question for my situation if you can help me. I am 21 years old. Living in New York city.My dad bought a Honda 2015. He wants to add me as a driver since I am living with him. He drive yellow taxi which under company insurance that he and his partners owns. But this is suppose to be a family car. What you think the beat approach would be? And how much will it cost to add me as a driver?

[@rockjohny360_]

And I am a college student with 3.6 GPA. I am responsible. Am about to graduate. But I am not planning on getting a car for myself till I get a job.

[@lil_rican6160]

20 year old, first time driver, Louisiana. What company would you recommend?

[@ThinkInsurance]

You may need to try several companies to find a good price. I would start with Geico, Progressive, State Farm or Farm Bureau. They are some of the cheaper options in LA

[@lil_rican6160]

Mark Flockhart thank you for responding, I’ll definitely be trying these!

[@StevenLopezmex711]

*I live in Maryland and I'm 18 years old. I currently drive a 2007 Subaru Legacy 2.5L SE. I'm going to go away to college and it's more than 100 miles, with "good" grades. What companies do you recommend and should I stick to my parents' insurance plan since they have a great record and are married? Thank you!*

[@ThinkInsurance]

It will be considerably less expensive to stay on your parents insurance. They’ll be able to apply the away at school and good student discounts to their policy to help

[@hiech]

Im 19 looking to get a Toyota Camry or Corolla in Baltimore Maryland is it a good idea to get my own insurance or should i try to join my grandmothers which i live with

[@ThinkInsurance]

It will be way cheaper under her but if you want to check on your own I would look into Allstate and Geico

[@vyominisingh2402]

Need to pay for insurance myself and I’m 16 and in NC. What do you suggest for myself?

[@ThinkInsurance]

NC is one of the least expensive states I've come across so you are in luck :-). I would start with Progressive and Geico, they are pretty competitive there at the moment.

[@hashimali9074]

This video is hands down the best video I have seen when it comes to tips on insurance discounts. I am currently 15 years old, and I am going to be getting my permit in about a month. I am in CT right now, and if a driver takes an advanced driving course, they can get there license 6 months after they have gotten there permit. So I will most likely have my permit in January of this year, and I will most likely be driving a 2008 Volvo XC70 with about 170,000 miles on it. I have a gpa above 3.0 also. Do you have any recommendations as to what insurance I should go with? I believe my parents are on all state. Thanks

[@ThinkInsurance]

+Hashim Ali If you can go on your parents insurance that will be the cheapest because you get all of their discounts and you're simply added as an additional driver. Make sure to check how much the car you are looking at will cost insurance whise. Audi, Volvo, Infinity etc.. tend to be more expensive

[@hashimali9074]

Mark Flockhart Thank you so much! This advice really is priceless.

[@ThinkInsurance]

+Hashim Ali you are welcome

[@oceanluva]

Hey, I’m a 17 year old female in Nebraska with a 2018 Honda Accord sport and I’m getting my license in August. How much do you think it would cost and which insurance company do you recommend?

[@ThinkInsurance]

If you can’t go under your parents, you should look into Nationwide or State Farm

[@izaakflores378]

I'm 18 and get my license at the end of the month and thinking about getting a 2020 Hyundai Elantra GT n line what would you recommend?

[@ThinkInsurance]

I would recommend you get insurance 😏

[@ThinkInsurance]

What state are you in?

[@martaf82]

We live in Stuart, Florida my husbands niece is 18 about to get her driver license and lives her grandparents. They don’t drive so she will have to get her own insurance. How much do you think it will be and she is getting a used car that she is going to pay 1,500. What type of coverage should she get and she is in college.

[@ThinkInsurance]

Thanks for the question. That is so hard to tell the price without knowing all the details. I think you should have her or you watch my insurance 101 video and the FL one I did to get an idea and prepare because a young driver in FL is not cheap. I would recommend checking prices before buying a car to get an idea of the costs

[@martaf82]

Mark Flockhart thanks so much I will definitely do that

[@MyLe-zf5yl]

What’s the cheapest auto insurance for 17 year old(Washington state)?? Can my uncle add me to his auto insurance even though he doesn’t live with me????

[@ThinkInsurance]

For you; Pemco, Progressive and Travelers are 3 good options for you to check. In order for your uncle to Insure you he would need to be the registered or co owner on your car and get approval to insure you at your location when he doesn’t live there. It close to impossible. Progressive might be the only company I know of that sometimes allows that.

[@1makailaaa]

I’m 18 from Pennsylvania I’m looking to get a 2019 Kia Rio S what would you suggest for my scenario? Geico is offering me $433 a month

[@ThinkInsurance]

That is a lot! You must have full tort applied. I would look into Nationwide, Penn National and Erie insurance.

[@1makailaaa]

Think Insurance I am a new driver just got my license last month

[@TheAstroble]

Need advice, I have a 15 and 17 yr old just getting their permits. one is an honor student the other isn't. We are Kansas City Mo residents. I have a 15 passenger van that they will be driving sometimes but my other has a car they like to drive and is smaller. But she has different insurance than I do. I have none but I will be getting some so the kids can drive. My mother doesn't want to add them on her insurance and mine too. That would be too much to pay. So how to I ensure the kids on both vehicles? FYI both the kids will be working this summer. They are already hired on.

[@ThinkInsurance]

My buddy lives in Kansas City MO! It sounds like you're going to need to get your own insurance if your mom doesn't want to add them, although it is cheaper that way since she has more "driving history" than you. As long as you're the registered owner of one or more of the vehicles you can always get your own insurance and add your kids under you. Depending on the rules of the company you are with now you might be able to get a "non-owner" policy for your kids to cover any liability limit without adding them to your mom's policy. You would have to ask since technically they would have their own insurance. It's very unlikely they will let you do that but it's an option. Normally when your kids get a permit it won't cost anything until they are fully licensed so you may have "some" time to figure it out. It might make sense to have them added to your mom's policy for a short time and then if they buy a junker vehicle to get their own insurance since they'll be working. Adding them to your mom's policy will give them "prior insurance" which makes a HUGE difference in the quotes you get. I hope this helps!!

[@TheAstroble]

@@ThinkInsurance I have only had my insurance lapse for a month on my van. I just need a way for them to be able to drive all the vehicles and be insured to do that. It does sound like the liability thing would be the best option. That way they an take the driving test in my mother's car because there is no way to parallel park a passenger express van.

[@TheAstroble]

Thanks for the info

[@estegueydijo....]

According to the comments, this video should have been about "A teenagers guide to insurance theirs or parents car" (and be ready to get a partime job to help with the bill bc is not so affordable).

[@alejandroruiz1081]

Hi mark, I currently am 16 years old and live in Arizona what insurance do you think will be the best.

[@ThinkInsurance]

At 16, You should go under your parent’s policy. It’s typically hundreds less expensive because they have more discounts including age and diving experience.

[@xavienrullan5474]

Brandon Florida

[@ThinkInsurance]

State Farm and Geico are really competitive right now

[@rgocandel]

Hi need some insight for best teen insurance for Florida

[@ThinkInsurance]

Best or cheapest?

[@biribiri9966]

Hi. We are currently with Statefarm..paying 340/mo for 2 cars and 2 adult drivers... Our son who is 16 and a half just got his license and we want to get him insured. We are in Boynton Beach, FL. 1. Should I be paying less as the parents than the 340/month? 2. What is the best company to approach for insurance for him..? I called statefarm a while back and they wouldnt give me a quote cause they had to wait till he got his license. Now I am afraid to call them and 'alert' them that he got his license cause I think they will automatically raise me. I just added a 3rd vehicle today actually for an additional 80/mo..so now I'm at 420 but still no teen driver on policy. We also have a 15 y/o girl w a permit as well that I have to call and make them aware of. Thanks for any advice you could offer.

[@ThinkInsurance]

Allstate and Geico would be the other two competitors in FL. It’s likely cheaper to age you all on one policy unless there are tickets and accidents that will affect the rate.

[@kyramack7060]

Hey I’m 18 years old in North Carolina and I just got my learners permit and I wanna get my drivers license and I’m driving my mothers van at the moment what do you recommend I do as far as insurance goes?

[@ThinkInsurance]

It’s typically inexpensive in NC. Progressive and Geico seem to have good prices as well as, State Farm and farm bureau. Those are the ones I would start with. Make sure you know or get good advice on the coverages you want/need. Watch my insurance 101 if you aren’t sure what options you have

[@kyramack7060]

Mark Flockhart thank you so much everyone else is telling me it’s very expensive

[@josephmcdaniel3040]

My mother has custody of my 16 year old niece they do I have a vehicle for her to drive she will be learning how to drive-in my truck which is an older paid off truck. I'm her uncle we live in Ohio whats my best options

[@ThinkInsurance]

You could either title the car to her and have her insure it which is the easiest but likely the most expensive or you put her on your insurance and list her address for the vehicle. Some companies won't let you do this, they may make you create an entirely new policy under your name since you are the registered owner and then she would be listed as a primary driver but you pay the bill. or since your mom sounds like the legal guardian, add her to mom's policy. This one makes the most sense (but you'll have to title the car to mom)

[@damianj7030]

I’m 17 just got my license and am planning on getting a 2003 Mazda 6. Do you think this would be okay price wise?

[@damianj7030]

I’m in Florida and my mom has Geico

[@ThinkInsurance]

The cheapest option is likely to join your moms policy and simply have them add you and your car to it. You will get a better deal because she has precious insurance and adding a second vehicle gives a multi-car discount. I would recommend talking to her first to see if she’s okay with it vs calling geico directly.

[@richardmanuel3947]

What is a good car insurance for a teen driver in Buffalo NY?

[@ThinkInsurance]

when it comes to teen driver, two of the cheaper options at the moment in NY are Erie insurance and Geico. I would check those to start with. Possible a local agent that checks multiple companies as well.

[@brodyelgersma6239]

i hope you see this.. i live in Iowa. i am turning 16 in one week. i got a careless driving ticket and a ticket for being off my route on April 24. my parents dropped my insurance and i will be suspended for 6 months. i want to buy an 09 Chevy Silverado when November or December hits. what do you think would be best for my insurance when i do get that? i am a good driver but i just made a dumb choice and i would like to see what you have to say on what would be best for me

[@ThinkInsurance]

If you have money I would start by looking into getting the careless driving reduced or removed from your record. It can be done but is expensive $300+ check the app “off the record” In the meantime try to get a vehicle that doesn’t require you to add full coverage (comprehensive and collision) to keep the costs low. Save up as much as you can because with being under 25 yrs old and having that ticket it’s not going to be cheap. Before you buy the car you should check prices from 3-5 companies. Likely high risk places to start and then in 6 months you can recheck to likely get lower rates. Feel free reach out if you need help or advice when the time comes

[@nourshredz8011]

could i get my own innsurance without my parents approval? im in a situation were strict dad wont let me do anything so

[@ThinkInsurance]

If you’re the registered owner of the vehicle then you will need to get the insurance in your name. If not then no. Most states do want you to be 18.

[@Finja101]

Hello! I'm getting a 2003 lancer evo, but I'm only 20.. so insurance is crazy on it. I was wondering what my best options would be or a recommended company. I think my best bet would just insure it for half a year and store it during the winter. I live in Minnesota by the way. Thanks!

[@ThinkInsurance]

Finja What state do you live in?

[@Finja101]

Mark Flockhart Minnesota

[@ThinkInsurance]

Finja There are several places that should have good rates. Try Geico, Progressive, and Farmers insurance. You should request a quote for renters insurance as well. Sometimes in MN if you add renters even though you'll pay $15-$25 a month it can save you up to $50 a month on the auto.

[@Finja101]

Mark Flockhart That's interesting about the renters insurance! okay, I'll check those out! thanks for the help :)

[@rickyperritt2120]

HELP! have twin girls 19 years old each have a car paying a lot on insurance we have ALLSTATE now any recommendations we live in Louisiana HELP! thank you

[@ThinkInsurance]

I would check a legal agency that can shop multiple companies but individual companies in LA, call Farm Bureau and Progressive. You could also see if Allstate will allow you to remove them from the policy if they get their own insurance then, I would look at Progressive or a company that handles higher risk at lower prices if you want to keep your current one.

[@dejasimone706]

Hey I’m 16 and I’m looking towards getting a used car how do I get insurance for myself considering the fact that no one in my family drives? Is there even a way I could do that? Or should I go ask someone that works for an insurance company in person like set up an appointment or something?

[@ThinkInsurance]

You will want your parents with you. Some companies require consent if you’re under the age of 18 but I think you can still get prices if you call. Just don’t make it an issue when you call

[@aqworldsmarquise]

Hey I’m from Georgia and planning to buy an Infiniti G37 coupe what do you expect my rates to be.. I’m 16

[@ThinkInsurance]

I wish it was that simple to calculate. It is def expensive for someone under 25 with that type of vehicle (Infinity is known to be more expensive on gas and insurance). Having prior insurance or being on a parents policy will help the price but overall the factors that make up the price are different with every individual. You may have to call several companies to get an idea. I do recommend if you're not familiar with coverage to watch my insurance 101 video. That will help give you a place to start before calling companies.

[@Coderedpirate]

神Tokyo hey I know it’s a little late, but if you’re still planning to get a g37 coupe, don’t. You’ll be infinitely better off buying a g35 pre ‘05 if you want the brembo kit. It’s cheaper to buy, maintain, and they’re just as reliable. It’s honestly more economically smart to buy the car cheaper when you think about the repairs that come with owning a g35 I.e oil, gas sensor replacement, clutch/slave cylinder if you choose a manual. The extra “luxury” features and horsepower just isn’t worth it for a new driver. Hope my insight might help

[@ronaldoromero9400]

Hi I’m a boy from NJ gonna be turning 17 this November and I might not be able to be under my parents insurance, I’m planning to lease a 19 Honda Civic. Si or buy a used 2012 c300. What insurance would be best for me and how much would I pay? Regards

[@pianofry1138]

You're not too smart if you are buying a car that young and inexperienced

[@omarsahibzada5117]

The civic will be cheaper, insurance wise

[@wrenchweilder835]

I'm in Colorado and getting my license within the week. Just turned 25 and have had a permit for 2 years. I have also done a few lessons with a driving school bit not the entire course. I will also take my behind the wheel test at the school. What would you recommend with decent coverage and potentially lower rates.

[@ThinkInsurance]

You're in luck. Colorado is the one state that gives you average prices depending where you live. I don't know how accurate they are but here is the link. www.dora.state.co.us/pls/real/Ins_Survey_Reports.Report_Selection_Criteria?p_report_id=AUTO&p_label=

[@bluesky4917]

I live in California and will be getting my permit next year. My grades are perfect. Quick question, will having a 4.0 gpa get me more discounts than a 3.0 student? And what do you think my monthly cost will be and the best insurance company? Also, I want a Toyota 86 as my first car so will it increase my monthly payment? Thanks.

[@ThinkInsurance]

The 4.0 vs a 3.0 in my experience won’t give you more of a discount. In CA the prices are different for just about anyone across the board. I would call esurance, 21st Century and Geico.

[@glendaargueta2164]

Milwaukee, WI. Female, student, 17 years old. Please help!

[@ThinkInsurance]

I believe there is a company called Westbend in WI that is really competitive otherwise check geico. If you have good credit it couldn’t hurt to try AAA.

[@olivierjits2811]

Im in oregon and my parents current insurance company is charging 310 a month. What are some better company options

[@ThinkInsurance]

I would look at Geico, State Farm and a company called country financial. They tend to be competitive in OR as of now anyways

[@ErickGarcia-ph3hc]

im a high school student and im going to be 18 soon and i want to get a dodge charger r/t or an sxt 2014 what would be the cost of the insurance in the state of florida? and what would be the cheapest insurance company for a teenager?

[@ThinkInsurance]

The cheapest is going under your parents policy but if you're going to go on your own then I would look at Geico and State Farm for now. Let me know what you find.

[@carlosdavis58]

I live in N.J. like your video my spouse and i are great drivers and clean license but i have a 21 yrs old with couple of accidents and 2 points on her license. i would like to know which insurance company would be cheaper my actual bill is $600 monthly.

[@ThinkInsurance]

Geico and NJM (New Jersey Manufacturers) is likely going to offer the best price with your son. Have you thought of insuring him separately? Some companies will let you list him as insured elsewhere or remove him all together. If he doesn’t own a car he can get liability only other wise known as a non owners policy.

[@sonnyandlerma9701]

Mark: Hi! Appreciate the video. I do have question, we live in Houston TX. If I have a teenager (16 yrs old good student) who will be exclusively allowed to use only one vehicle, would it be better if I get a separate insurance for his car with only he and I on it? The two other vehicles (mine and my wife), I plan to insure on a separate policy with a different company. Those same three cars are with Geico right now and they want to jack up the rate by 1,000/six month just to add him. Any suggestions if that's a good approach and any suggestions on company to check? Thanks!

[@ThinkInsurance]

Typically it is cheaper to have everyone under the same policy since you have more driving experience and likely better credit. In TX try Farm Bureau, Progressive or State Farm unless you or your spouse have military backgrounds then, USAA is likely going to do well. If your teen gets a ticket or in an at fault accident then it would make sense to have him get his own policy.

[@bgriesbach1973]

Hi Mark! Me and my family just moved to the US (Orlando, FL) and bought two cars, which we insured immediately, after doing some shopping , since rates were enormous at first. Now my son (15) and my daughter (17) are getting their FL driving permits and want to drive. We contacted our current insurance co. and let me just say that they are out of their mind. What can I do??

[@ThinkInsurance]

Until they are licensed you likely won’t have the price increase but when they are it will be expensive!l. Farm bureau, USAA and Geico would be some possible options to start with.

[@saveongaming4418]

Hello I will have my license in just a few days I’m 16.. but big question I live with my grandma and she is not my legal guardian as of now would I still be able to be listed as a driver of her vehicle? I live in Cincinnati Ohio’

[@ThinkInsurance]

Yes, you can be added to her insurance as a driver. If you buy your own vehicle you’ll likely need your own policy unless the company allows you to add it to hers and you live in the house as your primary residence.

[@saveongaming4418]

Thanks for the feedback! You are great! I probably won’t get my own car until next year.. but I will be driving her car that’s why I asked I figured I could be added wants the price we are looking at? She’s with progressive has been with them for 10 plus years

[@ThinkInsurance]

I won’t know how much it would cost to add you. I would guess $50-100 a month extra

[@karismarodriguez9981]

I’m getting my license in a month when i turn 16. im female. and i’m looking to buy a 2006 Ford Mustang V6. what do you recommend?

[@ThinkInsurance]

Not getting a mustang 😆. On a real note that’s a fun and nice car but expensive for a young driver to have (performance car). What state are you in?

[@sugarbsgiftsdecormore9272]

I we are beginning to look for our daughters 1st vehicle. We are looking at older model full size to small pickups (she works on a farm). Is this a smart decision? If not what vehicles are most cost efficient where it pertains to insurance for a new driver ?

[@ThinkInsurance]

I think a good used truck would be a good move. Especially since she works on a farm. If it’s a started truck that doesn’t need full coverage that would be cheapest

[@sugarbsgiftsdecormore9272]

Thank you for responding, we are shopping around for insurance. we are currently with Safeco, but we have been told horror stories in regards to insuring her in general. Should we have a stand alone policy for her or add her to our existing policy ? And lastly in addition to liability, what other coverage should we consider ?

[@ThinkInsurance]

@@sugarbsgiftsdecormore9272 I would make sure you have enough liability but add her to your policy. If you've been with Safeco for more than a year they usually give you a discount (I think it's 27%) when you add your teen to help with the cost. Other than that, I like AAA for the road service but make sure you have the Superior or Ultra package if your budget allows. In Michigan those give you a percentage back every 6 months (I think 5%) and accident forgiveness if one of you has had one. Those are some items I would talk to your local agent about.

[@karenengel2143]

Daughter lives with Dad , she us 16. Dad has dui and speeding ticket on record. He wants her to get her own coverage because of his driving record. This is in Chippewa Falls, Wisconsin. Who would you recommend? She is also a good grade student, needs her car for school and work. She will be 17 the end if September 2019.

[@noahlee8763]

Looks like the website won't work anymore. Could u send me a copy of the article? I am a student just reach 16 yrs old. Ty

[@ThinkInsurance]

I shut down the website. I quickly realized I don’t like to write as much as I hoped to. Sorry

[@travay6328]

I am 19 and I am looking for the best insurance in Florida

[@ThinkInsurance]

For right now try Geico or State Farm to start. They are going to be less expensive but as an opinion a higher rated company is Liberty Mutual.

[@f150sbcglobal]

Hi I am in Houston Texas 77084 - daughter turning 16 soon - what is good insurance company for her/us??

[@ThinkInsurance]

You could try USAA, Geico or Travelers. They all are pretty competitive in TX right now for teens

[@popzart0popzart081]

Hey man I've been driving for 7 months I'm 16 and my car broke. I wanted to drive a 5600 dollar car. What would be my insurance every month.

[@saucypills5258]

Depends on the type of car

[@phenway8060]

Man people really are retarded nowadays

[@SUZANNAJ]

If I’m 16 (wanting to get my license but my dad says I can’t without insurance!) and a female, how much would insurance be on my parents policy with Safeco? Or do you have a better recommendation? I’m in MS!

[@PeaceDayCortez]

I’m looking for a better insurance company. I’m not sure how much insurance I need for my daughter. Currently she’s under my insurance (Horace Mann for educators) full coverage on her 2012 Beetle 2 door hatch back. She drives 10 miles one way to school 2 days a week to college and about a 5 mile radius on weekends. I still owe 8k on her car. My coverage for her right now is 100/300/100. I’m paying 166.00 a month (at least that’s what I was told yesterday by HM) How much coverage does she need? Can you recommend any companies in Sacramento Ca 95843? Thanks so much

[@ThinkInsurance]

+doriestes2468 oh my, CA is one of the most competitive states. There are so many companies I would check with. Maybe start with: Nationwide, Geico, and Progressive. Make sure you are the primary and they know you are a teacher and that your daughter is driving really low miles. If she’s getting a 3.0 or better on her grades she might qualify for the good student discount. Here is a video that may help with discounts kzbin.info/www/bejne/iIaVpYd9dpipe8k Remember, since you are the guardian, if you don’t have enough coverage and your daughter causes a major accident, they would likely go after you for any liability that is exceeded. 100/300/100 is pretty decent. You can see what coverages are better in my 101 video kzbin.info/www/bejne/bmK4coV5iappqck

[@MattPilchard]

Hi Mark, great info. 2 Teens 15 and 17 with a restricted and full license respectively. Just got them this past week. We live in Kansas - both are great students (discount) and have had paid driver's ed courses, if that helps. Any recommendations? Thanks.

[@ThinkInsurance]

To start most companies won’t make you list them until they have a full license. Either way you go it will get expensive with 2 teens just starting to drive. American Family, Farm Bureaus, and Travelers will be competitive for your drivers there.

[@javierc.f.3172]

Hi, I'm from Houston Texas. I'm looking for an insurance that is not so expensive. I am 23 years old. I hope you can help me.

[@ThinkInsurance]

I would say, Farmer's, State Farm and Geico are pretty competitive in TX. TX is one of those states where prices can be pretty low thankfully.

[@javierc.f.3172]

Can you suggest me which car is perfect for a College student?

[@ThinkInsurance]

Being a college student doesn’t make much of a difference. If you’re under 25 you can use your grades if you have a 3.0 or better to get a discount. If you’re parents are still your legal guardians you could go on their policy as a student or away at school student. If you’re 100 miles or more away that is a discount their will get. If they have a good driving record it’s the cheapest way to go. Let me know how it works out.

[@javierc.f.3172]

Okay Thank You for your advice

[@enragedgiraffe2916]

Hey man im 17 and in ny and planning for a mercedes c300 under my parents policy (statefarm) what type of increase would u expect?

[@ThinkInsurance]

Oh man or girl :0), that’s a tough one to guess. The nice part about State Farm is that they are agents so you can call them and ask them to quote it without them changing anything.

[@AspiringAntonio]

My son just got his permit, so this if VERY helpful, Mark! Question: I only have my son every other weekend (2 weekends a month), if my son is on his mom's insurance, does he still need to be on my insurance to drive with me?

[@ThinkInsurance]

+Aspiring Antonio No, if one of you are insuring him then you should be okay with "most" companies. Technically whoever has the most custody is the one that is responsible to insure him unless the court says otherwise.

[@kaesh7310]

What are the good insurance companies in Arlington, Virginia?

[@spenceralexander5392]

I have 2 new driver one 15 one 16 will you please recommend some companys for Northern Idaho currently with progressive.

[@MustangAXF]

Hi Mark, thank you for your videos... my son is 16 and we received an outrageous quote for him to be on our policy. Esp if we buy a third car. With two cars and him as an occasional driver, it is still over two hundred a month Any suggestions for the Phoenix, AZ area? Thank you.

[@ThinkInsurance]

I do work with several companies in AZ if you want me to check a few options. Here is a link if you choose to request a quote: thinkinsuranceguide.com/bestquote/ otherwise I can recommend other places if need be.

[@justart5.7]

Illinois?

[@Jacob488.4]

Hey I'm 16 and I'm seeing this 3 years later so I doubt you will see this if you do please respond and I'll ask questions, thanks

[@ThinkInsurance]

Im still actively helping with insurance questions:)

[@fr7689]

Thanks for the videos. I have a 16 year old daughter and we live in Tucson, AZ. What car insurance company would you recommend?

[@ThinkInsurance]

I would start with Geico and American Family Insurance.

[@djhuntestuart7251]

Im 18, first time driver and buyer of a vehicle. Im in florida and so far ive gotten rates of over 600 bucks a months. Whats the best route to get to a reasonable rate? Also if I go under parent/guardian's policy, can I pay my portion of the bill on my own or just pay them the difference via a personal agreement?

[@ThinkInsurance]

I would try Florida Farm Bureau, maybe USAA and Geico. It will likely be cheaper on your parents/guardians policy if they have a good driving record but there is no way to split the bill. You’ll have to work out a plan to pay your guardian

[@agustinrivera896]

17. Connecticut, Male, Student. What company do you recommened?

[@ThinkInsurance]

Geico and Travelers is usually pretty good for younger drivers in Connecticut

[@victorbulat343]

Hi Mark, sorry I have another question. You mentioned having liability-only insurance with the child only and being a non-owner of the vehicle. Are there any possibilities to have liability-only when I own the vehicle and also would that be combined with my parents insurance or my own insurance with another company. Again, thank you for your time, Victor.

[@ThinkInsurance]

If you own a car you will want to be insured on that not just a non-owner only. It's only there if you want to insure yourself if you were going to drive someone else's car. If you didn't have a car and you have a license but your parents insurance was forcing you to be insured then you would get a non-owners policy so they can not have to pay for you on their policy assuming the company allows that. Some have different requirements.

[@ceciliachang4947]

recommend me better insurance company for teens drivers Columbus Ohio I am with Progressive myself

[@ThinkInsurance]

I would recommend finding an agency that quotes Grange insurance. They are competitive in OH and usually can shop more than just the one company. Other options would be Erie and Geico.

[@Tconoscienti]

Great video thank you for all you do was wondering my son is 20 years old and has had his license for one year is the year about leasing or purchasing a brand new 2019 Chevy suburban what do you think the insurance cost will be for this vehicle and is this a good vehicle for a new driver we are located in Massachusetts I am legally blind so don’t currently drive more having insurance company only have insurance company for my home in business. Look forward to hearing any input or advice or recommendations thank you again

[@ThinkInsurance]

I couldn’t tell you what it would cost but I can’t imagine it will be cheap by any means. Driving history is a factor based on how long he’s been licensed. If you are going to register it to you, he can be listed as the driver which would be a lot less expensive.

[@victorbulat343]

Hi Mark, I wanted to let you know how helpful this video was, and it is a really good introduction to the world of insurance. However, I have a few questions. I am 16, and going to get my license really soon, and my situation is a bit different than others. I live in Madison, Wi by the way. However, my parents are divorced, and I live with my dad in a town some 35 miles from Madison, but I live with my mom in Madison. My dad bought me a car, a Ford Focus 2007 and I am going to use it to drive to school mostly. Consequently, most of the time I live with my mom, so I don't need to drive to much, but on the days when I am with my dad, I will have to take longer drives. I am able to apply for the good grade and driver's ed course discount, but insurance being insurance, and my parents money situation not being super flexible, what are other methods of discounting? Also, my mom has Progressive insurance, and my dad has Allstate. Would it be best to apply myself with either of those, or … find a different company (like Erie, which is supposedly one of the cheapest in the Midwest, but it is still pretty pricey at around $198 a month) and talk with their agent and try to communicate a good deal. Thank you for your time, and thank you for helping people like me, Victor.

[@ThinkInsurance]

Thank you. It is likely going to be a lot cheaper if you under one of your parents policy. I would check both but Progressive is likely going to be the cheaper option as long as your mom or dad don't have any claims/tickets. If they only have 1 car on their policy it will automatically apply the multi-car discount which will help as well and since they're older their risk is lower so that will pull some of the price/risk away from you. Check out my other video about top 15 discounts you might be missing, that might give you some other ideas of discounts you can get.

[@georgiaboy888]

U need to shave

[@ThinkInsurance]

+TheFlyGuy Never!!!! 🙈😁