Compare cheap car insurance quotes online!!

Thursday, December 29, 2011

You Can Find Discount Car Insurance in Minutes Online

11:54 PM By

Your primary reaction on trial the term discount automobile insurance plan might be shock. Other than there are plenty of money off policies on hand. The most important trick is to come transversely them. discount online auto insurance come in many forms; address many issue drivers may have. Whether you get money off for age, in favor of manner of bring into play, or an incident related discount such as the widespread discount in favor of full time students maintain a B average or well again, you be supposed to be able in the direction of find a variety of poles apart options that will help bring downhill the cost of your cover reporting.

A quantity of classic forms of discount auto cover plans includes retirement cover, combo discount in favor of various bundles, in addition to deals through such connections as auto club. A quantity of reductions is accessible through your boss, and yet credit card agencies are capable of offer price cut. Have a good credit rating be capable of help make sure you get a price cut, too. How container you find cheaper auto insurance? The most excellent way is by means of the internet's rummage around engines shared with citation sites.

At what time buying auto cover in California, you could do with to be aware of the conditions concerning the reporting of drivers. The underlying principle of this, clearly, is that all and sundry is expected in the direction of be accountable in the container of a misfortune. According in the direction of California state law, all drivers could do with to have automobile insurance.

We each and every one are aware that automobile insurance can be exclusive; on the other hand in attendance is low-priced California auto insurance in addition. Each and every one you are necessary to do is search scrupulously through the various cover companies. You strength of character have to seek to come across the best coverage on behalf of the best cost. Weigh up prices with the poles apart insurance providers in addition to keep in mind with the intention of California offers frequent companies to decide on from. You can position the one that will offer a good quality deal on cheap cover.

It is mandate by California commandment that you have evidence of auto cover any time you force a car.

How to Get Cheap Car Insurance

11:51 PM By

Automobile accidents are the most important reason of death in the United States, in addition to the figure of such accidents keep on increasing each year. A big majority of these accidents engage young people,seeing that they are known to have a tendency for driving irresponsibly. It is specifically for this ground, the length of with several others, that youthful drivers have a tough occasion getting cover at contemptible prices.

Tax for these drivers literally comes at a best, which in go round disappoints them badly. Cover is immensely helpful, more than ever when your automobile is hit by an uninsured driver otherwise damaged by stormy weather otherwise fire. It is extremely possible to get cheap car insurance still as the competition in the middle of insurance company continues to make stronger. The primary thing young drivers be obliged to do is to school themselves on the subject of car cover itself. In attendance are three variety of car-related cover - theft in addition to fire, comprehensive with liability. Of the three, complete is the most expensive along with is primarily used as soon as financing a car. Persons looking for a cheaper alternative know how to let it pass.

In receipt of realistic free insurance quotes no personal info. Nearly everyone companies have a preference to have your in sequence so they can bring you an accurate quotation. On the other hand, many people are hesitant in the direction of provide such in sequence over the internet in fears with the intention of someone else determination be able in the direction of gain access to their social safety measures number or driver certify number.

The probability of an important person obtaining your individual information on or after filling out a question mark is pretty not likely, because you are more often than not guided to a secured site at what time inputting any individual information. The tenable sites make it almost without a solution for hackers to get hold of your information. Other than, the chance is until the end of time relevant.

By means of this life form said, in attendance are companies at the present that do not necessitate you to offer any in order over the internet in arrange to get an precise quote. With no this information, in attendance would be no way likely to get a quote.

Car Insurance in Texas - Get Free Quotes Online

11:48 PM By

Automobile insurance is an absolute must on behalf of any driver. The officially permitted penalties for not transportation this coverage has stiffen tremendously over the earlier period a small number of years in Texas.

In addition, there is always the possibility that a bad accident can come about so as to could potentially ruin one's existence from a financial point of view. Measure up to car insurance quotes Texas online can be a comparatively straightforward way of checking out price and different types of reporting.

A lot of people mistakenly believe that when you obtain a cover quote, that this has a as the crow flies effect on your credit rating. With the intention of is not factual. Free of charge quotes have no behavior on credit status at each and every one. Nearly everyone car cover companies in Texas provide you through detailed information on the subject of rates, types of reporting and terms. You be capable of sift through a lot of in sequence in a relatively short epoch of time. You canister get free car insurance speech marks online and in the space to yourself of your own abode.

Choice for your vehicle coverage is quite wide today. Stipulation you are looking for a new corporation, you strength consider reading auto insurance articles which know how to provide you with in sequence about the needed reporting as well as the option for coverage. On the other hand, you should know who is writing the story previous to you pay it very lock attention. At the same time as everyone is alert, lots of companies request a variety of in black and white material to use as publicity for their sites. Understanding about a company on their have possession of website is likely going to be quite self plateful for the companionship.

By the same time present are millions of sites that accept written ID to be published on behalf of the business. Annoying to find information with the intention of is educational and sincere can be a difficult job. In arrange to get a good idea of the purchaser service ratings in addition to prices for a corporation; you determination want to find impartial information. Stipulation you are reading about a corporation on its have possession of website you are not likely to be in receipt of an unbiased opinion of the armed forces that they offer.

Thursday, December 15, 2011

Useful Information on Inexpensive Car Insurance Rates

10:05 PM By

It does not matter in which state or province you live in the United States. As long as you are in the country, you are bound by certain basic rules and regulations that you must abide by when it comes to automobile and vehicle insurance. However, as a customer you must also be aware that there are a lot of inexpensive car insurance rates that you could go for if your budget does not offer you the luxury of a full fledged insurance policy. The first and foremost thing that you should learn is to not entirely believe that brokers are the best option when it comes to going in for affordable car insurance rates. In fact, if you go through brokers, more often than not, you may actually end up paying a higher insurance coverage premium because the plan coverage providers would tend to load the brokerage charges onto the customer. Just by gathering enough information and knowledge, you could end up getting a very good deal as far as your insurance coverage is concerned.

In Rome, you must learn to be a Roman. This proverb holds a lot of meaning to those who live in Hawaii and those who own a vehicle or are planning to drive one. Since Hawaii is a very famous and much sought after tourist destination, there are a number of tourists who would be willing to make use of cars and other vehicles on a temporary basis. Even for such temporary driving, the rules in Hawaii provide for having basic minimum auto insurance. Hence, even if you are a tourist, it is extremely important for you to have an outline idea about the various Hawaii vehicle ins rules and regulations.It would be better to take the help and support of the appropriate automobile specialist web page where details regarding such vehicle plans and other preferred details would be available.

Useful Information On High Risk Auto Insurance

9:54 PM By

In ‘insurance’ parlance, high risk auto insurance refers to those policies given to vehicles or people who are presumed to be at a higher risk of accidents, thefts and other such eventualities. Usually, sports cars and luxury cars are classified under this category. Naturally, the premium for such cars is much higher when compared to other cars. Apart from cars, it is also possible that individual drivers who have a track record that is not very clean, in terms of safe driving, may be asked to shell out a higher premium because they could be classified under the high risk category. However, the premium is not decided arbitrarily and there are quite a few things that are taken into account before such a decision is taken. As far as drivers falling in this category, it is quite normal for insurance companies to have a look at his/her age, general health condition, mileage driven, previous accident history and so on. However, in case of sports cars and luxury cars, the job is much easier because it would be easy to identify the model and classify it under the high risk category.

If you are from New Hampshire, you are certainly bound by the rules that govern auto insurance and hence, it would be expected of you to be in a position of understanding NH Insurance rules and regulations. In fact, not many of us would be aware of the fact that New Hampshire and Virginia are two states that do not have any obligatory auto and vehicle insurance laws. While in Virginia, a person has to pay some money to waive himself or herself off auto insurance requirement, in New Hampshire that requirement is also not present. However, in spite of such a lenient rule allowed by this particular state, it would be advisable to go in for some minimum auto insurance considering the overall safety of the vehicle, the person traveling in it and the third party persons who may suffer because of an accident.

Monday, December 5, 2011

Different Auto Insurance Coverage

4:02 AM By

auto insurance Maryland will provide you with different coverage. You can decide to go for the liability coverage, uninsured motorist coverage, medical payments coverage, or comprehension and collision coverage. Liability coverage has the capabilities of protecting you from personal injury or property damage that has resulted from the use of a covered car. You will be able to have coverage whenever you are using a car, van, or pickup with the permission of the owner unless the insurance company has placed restrictions. Uninsured coverage will provide you with protection incase you have been a victim of accident with another motorist who has no insurance. This is because some motorists choose not to have insurance despite the fact that insurance is a requirement. Your insurance company will therefore take care of the medical bills and property damage. Medical payments coverage will help in taking care medical bills that you or your family member incurs because of a car accident. Comprehensive and collision coverage will see the insurance company paying to the damages of a covered vehicle regardless of whether you are at fault.

However, you can still find cheap car insurance in Louisiana. This will be through comparing the premiums that different companies are charging for their different coverage. This will enable you get the lowest premium with the best coverage. You can decide to look for the company on your own or do it through insurance brokers. It will be important for you to remember that there are insurance brokers who will charge you some fee for getting you insurance coverage while some will not charge you as the fee is taken care of by the company they will be taking you to.

Friday, December 2, 2011

Online Companies for Auto Insurance and car Insurance Rates in Colorado

3:49 AM By

One of the great things of the internet is that you can do many things instantly like getting online auto insurance companies; you can easily compare them and make the right decision based on the information you get however there are a few things that you need to know before you make your decision.

Every state in the US requires a minimum car insurance coverage like liability and personal injury. Once you know what is your state minimum coverage is time to start getting online quotes, you will get different prices, but you should not base your decision just based on price.

There are some people like students that can't afford full coverage, but if you can you should try to get the most complete coverage to be safe on any possible accident. There are people to choose comprehensive coverage because it makes sure that they don't get any financial losses in case of theft, vandalism or any other problem.

On the other hand you can get good and cheap rates if you have a cheap car that is non sport, if you have a good driving record with not tickets, if you install safety devices and if you have low mileage. Some companies also give special discounts if you take a defensive driving course, have good credit history and don't drive too much.

Be aware that is good to check what insurance you want before buying your car, because there are some types of car that are very expensive to insure like models of the year and sports car. If a car is expensive to repair and replace then your premium costs will be higher.

The secrets of how to find the cheapest Colorado auto insurance rates are really not that mysterious. Here is some basic advice that will help you make an informed choice. Just read on and follow these steps and get on your way to cheap car insurance rates in Colorado
Colorado is no different than any other state in one way. There are a lot of insurance companies that offer policies at many different rates. The best way to find the cheapest policy is to just look around and compare policies. One company may offer you a policy that you think it cheap but with a little research you may find that there is one that offers the same policy even cheaper.

If you don't have a new car, you probably don't need comprehensive coverage. Most financing companies require new cars to have comprehensive coverage in order to protect their investment. If you have an auto company like AAA, you may not need to purchase the optional towing or rental car coverage. Likewise, if you have medical insurance, you may not need medical payments coverage.

If you're a good student and can prove it, you may be able to get a discount. If you buy your auto and home insurance from the same company, you may be eligible for a discount. If you are a senior citizen then you may qualify for a discount. Ask what kinds of discounts are available to you. You may find that you're eligible for more than one.

Auto Insurance at a Lower Price and Online Purchase

3:43 AM By

Money in your pocket = a low cost auto insurance quote. Now I know that a lower auto insurance rate isn't a cure-all for budget problems but in this economy of rising prices, with the cost of gas going out of sight everything you can do to cut cost puts extra money in your pocket. That's something everyone likes.

No Matter what you do with the substantial savings it's going to be fun. Any time you receive money that's not in the budget it is shouting time. So what will you do with the money you're going to save?

I hear you asking just how the heck I get this lowest cost car insurance. Well it's really not that hard but with all the different people and web sites out there competing for your business it gets confusing. So the first thing I want to do is expose some myths about car insurance quotes.

Online car insurance quote sites are quick but the problem is it's impossible to get a cheap car insurance quote from them. They can't afford to put a low rate in their data base because if they did some hacker would figure out how to get the lowest rate every time and would be offering the secret on the web in a matter of minutes.
The fact that needs to be remembered is that auto insurance online purchase quote sites are fast but expensive and the purpose of this article is to help you get a low rate car insurance quote.
If I contact each agent I'll get a better rate. Well on this one you're all most there but far enough away that you wouldn't get the lowest quote. You see a lot of well meaning and conscientious vehicle owners start this process but end up paying way too much and here's why.
Almost everyone who calls on the phone or walks into a car insurance agent's office says they are shopping around getting quotes for their car insurance. The problem being the agents know that doing this is a big pain. The person they want to talk to is usually not at their desk, is busy with someone else or just plain not available.

You end up playing phone tag which leads to frustration and accomplishes nothing. You've spent all this time trying to get a quote and you end up accomplishing nothing except frustration.

You see the agents know this so even if you get to them for a quote they will give you the regular every day quote because they know that 95% of the people trying this method of getting that low rate auto insurance quote quit, become totally frustrated and resign themselves to paying the regular rate.

It's really not that much of a secret it just gets lost in all the "noise" from the myths above. The only ones who have the authority to give you a low cost auto quote are the local agents in your area and they give that low quote only when they are forced to.

Auto Insurance at High Risk and Online Auto Insurance in Arizona

3:28 AM By

high risk auto insurance can have you paying more money than low risk drivers. When you're a greater risk driver there are insurances that will either charge you an arm and a leg or not accept you. That means you have been in accidents that was your fault and also have traffic tickets. If you're under the age of 25 and get auto insurance you're an automatic bigger risk until 25 or older.

Yes, it's not fair for insurance companies to charge more for younger drivers, but they're at the age to learning how to drive and need to learn before they get older and off high risk. However, you should know most young drivers are stereotyped as bad drivers and in that case, younger kids everywhere have to be greater risk.

The greater risk car insurance can be found all over the world helping people get a second change with getting auto insurance. The higher price auto insurance can hurt a lot of people making them pay more to keep a car. That's why a lot of kids in collages use scooters and bikes. The auto insurances can be very expensive for both deposit and monthly bills.
The reasons to bigger risk being expensive are to make sure you're getting the coverage you need because you're at high risk of being in a wreck. When you get in a wreck, it's a must to make sure you have good insurance if you're a greater risk. When you first start searching for cheap auto insurance, we have to admit - it is going to be hard.
When you find cheap greater risk insurance, you will need to find an auto insurance that understands why you're a bigger risk. If you are the one responsible for being a "high risk," then chances are, you are the one that has done it to yourself. The ages of 18 to 25 are automatic greater risk and you will automatically become low risk when you reach the age of 25. Now that is unless you get in a wreck or get a traffic ticket.

The high risk auto insurance can be found all over the Internet helping you save money or find insurance. There are many tricks to finding a good bigger risk car insurance and this is to find an auto insurance company that's willing to forgive your greater risk.

Getting Arizona auto insurance online quotes can be an overwhelming process. Everywhere you turn, you see a company claiming they can save you $400 a year on your auto insurance. A recent report from the Arizona Department of Insurance indicated that there were 152 insurance companies actively seeking new customers in 2008. And 21 of those companies had been in the state for 3 years or less.

There's no doubt about it, the competition for your insurance dollar is fierce. So if you want to shop online, where do you start? What sites are reputable? How can you get a good rate without spending days doing it?

Unfortunately, the answer to these questions isn't always straightforward. One of the biggest obstacles you'll face knows what a site is going to do with your personal information. This may seem like a trivial detail at first, but submitting your information to the wrong website can lead to months of harassment. By the time you finish reading this article, you'll have a much better idea of how you can shop for auto insurance online.

Low Cost Liability Insurance in Texas and Best Auto Insurance Companies Rating

3:11 AM By

Many factors can make the search for cheap liability insurance in Texas a rough one. A lapse in coverage, a less than stellar driving record - they all add up. If you're having difficulty finding cheap car insurance in Texas, consider looking into the Texas Automobile Insurance Plan Association. The Texas Automobile Insurance Plan Association allows you to obtain the basic Texas liability coverage, personal injury coverage, and even uninsured and underinsured motorist coverage.
The downside to the Texas Automobile Insurance Plan Association is you'll likely be charged higher rates than you would be charged by your everyday car insurance company. The upside is Texas Automobile Insurance Plan Association provides you with car insurance you wouldn't otherwise have been able to obtain. Without car insurance or some form of proof of financial responsibility in Texas, you're driving illegally which brings consequences.

In Texas, if you're caught driving without insurance or some form of proof of financial responsibility, you will be fined anywhere from $175 to $350 - and that's just your first offense. If you're caught a second time, you will pay a higher fine, and if there is a third offense, not only will you pay an even higher fine than the first and second offenses, but you also risk having your driver license suspended. Plus, you will be given a ticket for a surcharge able violation. A ticket. Sounds like no big deal, right? Wrong. In Texas, a surcharge able violation means you can be charged more than once for the violation, i.e., you'll have to pay a fine for that violation once a year for up to three years.

There are a number of factors to look for when it comes to auto insurance company ratings - financial strength, customer service, and customer satisfaction. So where do you go to get these ratings?

The best auto insurance companies rating, I've found for customer service ratings is Opinions ( Here actual customers write about their experiences with a particular company, giving you a behind-the-scenes look at how the company treats its customers and how well they pay their claims.

Every state has a department of insurance website, and most of those sites list the consumer complaints filed against insurance companies. The number of complaints a company has compared to other companies gives you a pretty good idea of how well it treats its customers

if your state's department of insurance doesn't list company complaints, you can see them at the California insurance website (

Auto Insurance without Driving License and Cheap Auto Insurance

2:37 AM By

Acquiring car insurance without a license is theoretically possible. There are a number of firms that would provide cover in such a situation. To bring this about you will need to forgo the usual approach and instead seek out insurers that can meet your needs. To minimize confusion and the effort that is involved you should make it clear to the companies you contact that you are currently without a license.

This form of cover would in fact by a temporary solution. Most countries laws would dictate that for permanent cover you require a full license, but there are a few scenarios in which you would be able to get a policy without holding a drivers permit. For example if yours has been temporarily suspended due to a traffic violation an insurer may be willing to provide you the documentation that would allow you to legally drive a vehicle the moment your permit becomes valid once more.

Another situation in which the insurance can be availed when you do not hold the necessary documentation is if you have recently relocated to a new country and are yet to be given that nations driver's license. There can be a grace period in which you are given time to avail of the correct documents. It needs to be made clear that driving indefinitely without any license is strictly against the law.

Of course if you are currently learning to drive and do not hold a full license you will still need an insurance premium to get behind the wheel of your instructors car. In such situations you would be expected to provide proof to the insurer that you are undertaking a learner's course. The policy which is provided is likely to only offer cover for a limited period of time, typically three or four months.

With the cost of car insurance becoming more and more of an issue for the average American family, there are increasing numbers of people looking for cheap car insurance. But although it is possible to find cheap car insurance, the question remains, is it worth buying?

Everyone knows that car insurance companies are not all equal. cheap car insurance is wonderful when paying the bill, but make a mistake on the company you select and you could find that the cheap car insurance policy that you found may turn into a nightmare. Cheap car insurance may not turn out to be so attractive when making a claim.
So if you have found a discount car insurance broker don't just take the cheapest quote that you get. You need to find out a little about the insurance company that is offering the cheap car insurance rates.

And there's ways to reduce the cost of your car insurance even with the best of companies. Here are some tips for those looking for cheap car insurance to help reduce the cost of car insurance without compromising other things.

No Down Payment Car Insurance - Is it For Real?

2:23 AM By

In order to get a cheap car insurance quote online you need to get quotes from a number of car insurance companies. Thanks to the Internet, you can quotes online in the comfort of your home in just a matter of minutes.

There are a ton of websites where you can get car insurance quotes online. Unfortunately, most of them are run by insurance companies who only give you their rates. There are a couple of companies who also give you rates from their competitors, but from the comparisons I've done, they don't give you the cheapest rates that are available
Your first stop in your quest for cheap car insurance should be at an insurance comparison website where you can get rate quotes from multiple insurance companies. All you do is enter your insurance information and the amount of insurance you want on a simple online form, and then wait to get your quotes.

Most insurance comparison sites only deal with A-rated companies so if you decide to get your car insurance through them, you know the company will be reliable. Some of these site let you talk with an insurance professional, either online or by telephone, so you can get answers to any questions you may have, plus get tips on how to lower your premium.

After you get your quotes, go to J.D. Power's website ( Click on the "Insurance" tab at the top of the website, and then click on "Auto Insurance Provider Ratings." On the page that comes up you'll see ratings for a number of different categories. Under the "Pricing" category you'll see what J.D. Powers consider to be the companies that offer policies with the best prices. I recommend getting rate quotes from the companies with highest ratings (five bullets).

Pay Your Auto Insurance Monthly

some providers are beginning to realize the need for flexibility with payments in today's economy. They are now allowing consumers to purchase no down payment auto insurance. What this typically means is you'll only have to pay for the first month's premium up front, and then make monthly payments on your premium thereafter. This doesn't necessarily mean your policy terms are monthly; the policy terms will still be quarterly, every six months or yearly. Policies are reviewed and/or renewed on a systematic basis, but the monthly payment divides your big premium into smaller monthly amounts. Low down payment car insurance just makes it easier to manage your payments if you're not able to make the lump sum.

Easier to Budget

By opting for no down payment auto insurance, you can budget your premium payments monthly along with your other monthly bills. Pay your premium along with your mortgage payments, utilities, etc. and never have to come up with a huge premium amount again. If you're like most consumers, you'll find it much easier to pay $100 to $150 per month instead of $300 or more every quarter. Car insurance with no down payment removes some of the monetary stress so you won't have to worry about trying to save out extra each month for future premium payments.

California Auto Insurance and Insurance Coverage Online

1:19 AM By

When purchasing auto insurance, California has some stipulations regarding the coverage of its drivers. The purpose of this, of course, is that everyone is expected to be responsible in a case of an accident and this removes any irresponsible drivers from the highway. You have to have auto insurance - California state laws demand it.We all know that auto insurance can be pricy, but there is cheap California auto insurance. All you have to do is check it out thoroughly with the different insurance companies. You will never know what is out there until you try. Compare prices with the different auto insurance and California has many companies to choose from. You find one that will give a good deal on cheap insurance.

It is required by California law that you have evidence of auto insurance regardless if you're driving your own car or someone else’s. If you do own a car and don't use it, you still have to maintain auto insurance California.
To obtain registration of your vehicle you need your insurance documents, evidence of liability insurance or a copy of your ID card from an auto insurance company in California saying that the vehicle is currently insured. Cash depositors have to show a receipt that they have paid their auto insurance California and others must produce a copy of DMV's acknowledgment letter with the assigned self-insured number and the expiration date.

Whether or not it is cheap California auto insurance, it is required by the law. You have to be careful of the policy you carry as full auto insurance coverage may only cover the damage with no medical coverage. Check with your agency to make sure you have what you need to cover everything under your auto insurance California.

You can now purchase almost anything even if you do not go out of the house or have only your lunch break as your free time to shop. When in search for a discount auto insurance coverage online, see to it that you make the Internet as one of your options.

You can actually get cheap car insurance online without bargaining or even exerting too much effort. There are now hundreds of legit websites that cater to busy clients like you. The best thing about buying a very insurance online is that you can have a wide array of packages to choose from and there is also discount auto insurance coverage at the same time.
If the online insurance provider is not the official website of the company, it is often an affiliate of two or more insurance companies. Since they are associated with various corporations, they can actually give you a set of policies that you need as a driver and enough coverage for your vehicle. Moreover, they also have the option wherein you would get to compare three to five companies and their quotes side by side. All of these are possible with just a few clicks and would only take a couple of minutes of your time.

Thursday, December 1, 2011

Cheap Car Insurance And CA Insurance Department

10:58 PM By

Car insurance is certainly one of those necessities that we all try to find cheap car insurance to get it. But how do you go about finding comparisons without spending hours on the phone with different agents? Here are some easy ways to get a good idea of the lowest you need to pay for your auto insurance.The most important thing to realize is that car insurance rates vary from one company to the next -- often by quite a bit. So if you just contact one or two companies for a quote, you may pay more than you need to. The Insurance Information Institute recommends shopping for at least three or more quotes for comparison.

Many state CA insurance department feature rate comparison information on their Web sites for the companies that do business in their state. These can give you a good idea of comparative rates, but you still won't know exactly what it's going to cost you. That's because there are other factors that affect your total costs such as the type of car you drive, your driving and credit record, your claims record, and any special discounts you are eligible for.That's why it's best to do a little comparison shopping. You can use the insurance department information as a starting point and go to the individual company Web sites, or call them, to get a quote. Make sure that you provide each company with the same information about the coverages you want, the amount of deductibles and driver information. This will give you the most accurate comparison. It helps to have a sheet of paper to jot down quotes and notes about each company.

There are also several Web sites out there that offer comparison quotes from several different companies or agents. This is a good way to check quotes without having to continue to provide the same information over and over. Or, you can use a comparison site to get additional quotes above and beyond what you get contacting individual companies. it is important and necessary to have car insurance. The first step as a new driver is to work with your parents to determine if they will pay the monthly premiums, if you will help by contributing a certain amount, or if you will pay the amount each month yourself. A lot of parents feel that if their teens pay for part or all of their car insurance, it teaches them responsibility in exchange for the privilege of using the parents' car, or vice versa.