Tips For Collge Students and Drunk Driving Arrests
Reader's Question:
I'm a college student here in Massachusetts right now, and I party a lot. Although I have student auto insurance coverage, I want to ask for tips on how to avoid getting arrested for drunk driving?
Dustin
Boston, MA
Dustin, I understand that partying is part of college life. It's a good thing you are anticipating that you might have to drive home from one of your soirees there in Massachusetts. If you can't really avoid drinking alcohol-laced beverages, then maybe for starters, you can limit your alcohol intake. You can buy a do-it-yourself BAC level tester. With a BAC level tester, you can monitor how much alcohol is present in your blood. If it says it's above the limit, then don't drive. Back in my college days, I remember having to draw lots with my buddies on who's going to be the designated driver. Of course, the designated driver will not be allowed to drink, so we can be sure that one of us is sober to drive us all back home. Well, this is only if we can not find someone who can pick us up. Oftentimes, we ask a dorm mate who's still up and about to come pick us up instead. We pay him a few bucks, and he gets to stretch from his reading.
I figure it should be easier for you to do the same. With the onset of cellular phone technology, it is now easier to get in touch with someone who can pick you up. Surely a friend of yours or one of your buddies' is reachable with a cell phone. Having someone to pick you up is the only reliable way I know to get home safe if one isn't sober enough. Also, remember, Dustin, you will lose eligibility for an auto insurance good student discount once you get flagged for drunk driving. Your student auto insurance might be rebuked, or not renewed. You might also be rated a high-risk driver by your auto insurance provider, so mellow down on the alcohol if you really need to drive home.
Auto Insurance Good Student Discount Florida FL
Reader's Question:
What is the best way to save on auto insurance premiums in the State of Florida when adding teenagers to the policy? Is there such a thing as an auto insurance good student discount?
Veronica
Tampa, FL
Compared to other states, Florida has higher insurance requirements because of its no-fault law. Balancing your finances and getting your teen insured adequately can be very difficult because of this.
Before getting them insured, make sure that they have successfully complied with prerequisites for getting their learners' permits. These should be carried for one whole year, so they may qualify for full valid licenses after. They should not have unexcused absences from school for fifteen days or they may lose their permits. After they have their permits ready, give your auto insurance agent an update on new drivers to be included in the policy.
To be sufficiently covered in this state means having Personal Injury Protection (PIP) and minimum liability insurance coverage for your kids, as well. It may also cause an increase of up to 50% in your premiums when you add a teenage daughter to the policy, while including a teenage son may mean a 100% increase.
But don't fret. There are guaranteed ways to lower your kids' coverage. Make them attend the certified driving class in Florida. All insurance companies are obligated to provide discounts to policyholders who have enrolled and completed the course. You may also include their cars in your policy to get multiple car discounts. Encourage them to perform well on their studies. Not only will their grades make you proud but will save you money, too. Insurance companies give auto insurance good student discounts specifically to those with a grade point average of 3.0 or higher.
Tags: auto insurance policy, auto insurance premium, no-fault, Student car insurance, teen
Learner’s Permit and Student Auto Insurance Arizona AZ
Reader's Question:
Can my daughter drive her sister's car if she only has an Arizona learner's permit? She doesn't have student auto insurance. Will she be covered by her older sister's auto insurance, as well?
Erin
Phoenix, AZ
Yes, your daughter may surely drive her sister's car in the State of Arizona with just a learner's permit. However, she needs to be supervised in the car by an adult with a full valid driver's license. If she is just 15 years old, she needs to obtain any proof or written certification that her driving instructor allowed her to drive with adult supervision. These guidelines are unbendable and should be rigorously followed. Failure to follow these may result in the cancellation of your daughter's learner's permit. Moreover, you or your other daughter may be held responsible for negligence if she is found to be driving without supervision.
Before you allow her to drive the car, though, you may want to sign her up for a driving course. Here, she'll learn all the basics before she even gets behind the wheel. She will be taught the responsibilities that come from having the freedom to drive. She will learn valuable driving etiquette, as well. If the reason you are asking has something to do with your daughter's practical exam, bear in mind that she needs to complete 30 hours of supervised time behind the wheel. Additionally, 10 hours have to be devoted to nighttime driving.
If she ever gets into a mishap while driving her sister's car, she will be covered provided that she is listed under her auto insurance policy. Although most insurers would provide financial assistance to anyone driving the car provided that the owner knew of the car's use, some still do not because of limited coverage. So it would be wise for your older daughter to advice her local agent about a new driver in the household. This would also be much less expensive than getting your younger daughter her own student auto insurance.
Tags: car insurance agent, student, Student car insurance
Auto Insurance for Students Utah UT
Reader's Question:
I'm a student here in Utah. What do I need to know about getting my own auto insurance policy?
John
Salt Lake City, UT
Before you purchase your own auto insurance policy, you have to be prepared for the typically high premium rates. Students under the age of twenty-five are often offered a slightly higher rate than older and more experienced adults. And no matter if you are a good student or a defensive driver, driving a sports car will raise your rates even more.
So, if you're considering getting your own auto insurance policy, be sure to shop around for different auto insurance quotes in order for you to get the most affordable deal possible. Remember that having an auto insurance policy is mandatory in every state. And getting caught driving without one will surely get you into a lot of trouble.
There are a lot of ways to get affordable auto insurance rates. Most auto insurance companies in Utah offer discounts for students who have a good academic standing in school. Discounts are also offered to drivers with a good driving history, which means no speeding tickets or any other moving violations and few to no insurance claims at all. Students who passed an accredited driving school will also be eligible for certain discounts.
More discounts are also offered to drivers who have several insurance policies purchased from the same insurance company. So, don't forget to call your mom and dad to find out which company they purchased their auto insurance or life insurance or even their home insurance from. You can also ask them about the insurance company's reliability and financial strength.
Bottom line is: You MUST have an auto insurance policy before you go driving. Look around and you'll surely be able to find the most affordable student auto insurance policy there is out there.
Tags: auto insurance policy, Car insurance discounts, student, Student car insurance