My son is a new driver for he had just turned to his legal age. I heard that car insurance rates for teenagers are really high, are there any tips on receiving lower car insurance rates here in Jersey City, New Jersey?

Matt

Jersey City, NJ

Cars for teenagers are actually an obsession when they reach the right age. Teen Car Insurance is really a problem for parents for this will make their premium higher. If your teen had just turned sixteen, you can actually ask them to be two or three years older before they drive, for the older you get, the lower premium you’ll get. But since it is really very unlikely for the teen to wait for more years before they drive, it is better to know the ways here in Jersey City, New Jersey to lower your premium.

If your teen is a new driver with their new car, it is better for the parent to buy them at least the older and slower cars. The older and slower the car, the lower your premium you can get, since old and slower cars are most unlikely to be driven carelessly. For new drivers, you can persuade your teen to enroll in a driving school. When they finish the course then they will be able to lower their rates. At first, your teen car insurance premium is high, but if he had been driving carefully for a period of time without any traffic tickets and minor damages, surely your teen will get a generous discount.

I am already away from home and my parents are getting divorced soon. What worries me is my 16-year old brother and his car insurance as well. I may help him get his own insurance policy here in Newark, New Jersey but I am not sure of that yet. In case I can’t get him his own, can he be under both of my parents’ car insurance policies?

Nia

Newark, NJ

Your teenage brother may have to split his time between your parents once they get divorced. Regarding his car insurance, a lot of insurance providers would recommend that the parent who has custody of your brother the most must add him to his/her car insurance policy. In some cases, insurance carriers say that it would be whoever parent has custody of your brother if he is attending school.

If the same car insurance provider gives coverage for your parents and they have joint custody, your brother would be covered by both of your parents’ car insurance policies, no matter if he is listed as a driver on either policy. The reason behind that is because some car insurance policies define “an insured” as “an individual who is related to you by blood, marriage, or adoption and is a resident of your household.” Not all car insurance policies are the same so make sure that you check with your parents’ policies or get in touch with the insurance provider for some information.