I am just 16 years old and I had just finished driving school. Hopefully I will be having my driver’s license soon. My friend in New York tells me if he gets good grades his parents would pay less for car insurance. Is this true in Vermont?

Benny

Montpelier, VT

In general, the answer is yes. Having As or Bs will help because some auto insurance companies want responsible drivers who look at safety as a top priority in driving. Male teens who have low grades have shown to be irresponsible drivers, and auto insurance companies would seek a higher rate for them since they carry a greater risk that the company will pay for their accident.

Not all insurance companies offer discount for a student’s academic record. So, it’s better to make sure and do your research. Different factors are also taken into account. The driving record of your parents ( or all the drivers included in the policy), what type of car you have, whether you live in an area prone to traffic, and many other factors are taken into account in the insurance policy.

Since you will soon be having your driver’s license, let me tell you that there is nothing that would replace a good driving record. If you have finished your driving lessons in a recognized driver education course, that would also be taken into account. Driving etiquette, what to do in certain situations etc. are not included usually if you learned driving informally through your parents or an acquaintance. Usually you tend to pick up the bad habits, or worse the dangerous driving habits that they have.

Let me conclude by saying the greatest insurance against accidents is being a responsible driver. Your grades and driving track record will be a reflection of that.

Hello there! I am a student in Montpelier, Vermont and I would like to register my car here but I just want to know what determines car insurance rate? is it where I am licensed or where I am going to register the car. Thank you for your help.

Richard

Montpelier, VT

Car insurance rate are determined by various factors and the the place where the vehicle is registered, driven or kept will determine the car insurance rates.

In Montpelier, Vermont, you will be needing car insurance if the is the state where it is registered so the car insurance rate will be based on the rates in the state of Vermont and not in the state where you are licensed in.

According to the financial responsibility laws in the state of Vermont, no car owners or operators that are required to be licensed has to drive the car on public roadways without car insurance liability or bonds of at least $20,000 per person up to $50,000 per accident and $10,000 for property damage per accident. If you are going to get insurance in the state of Vermont, you will need a bodily injury liability and property damage coverages on your automobile for those least amounts.

My son is in the process of obtaining his drivers license soon in Vermont. Will it be possible to buy a nonowners insurance policy for him since he doesn’t have his own car?

Dan

Burlington, VT

Generally, it is cheaper to include your teenagers to your insurance policy than for them to buy their own. If they are going to be driving their own vehicle, insure it with your insurance provider so that you can obtain a multi-policy discount.

As soon as your teenager starts to drive, inform your Vermont insurance broker that there will be an additional motorist in the house. Since teenagers are inexperienced motorists, they tend to get into more accidents. Unfortunately, this will, be reflected in higher insurance rates.

If you have a son, you can expect your car insurance to go up as much as 100%. Also consider increasing your liability limits or purchasing an umbrella liability policy for additional protection.

What does it by Youthful Offender Status in Vermont?

Ricky

Colchester, VT

A youth charged in an adult criminal proceeding in Vermont who is between the ages of ten and sixteen at the time of the violation may get treatment as a youthful offender. And in some cases in Vermont an individual that is sixteen or seventeen may also request to be granted the youthful offender status. If the individual is granted this status by a district court the case is transferred to the juvenile court.

In addition, in Vermont once a youth is awarded youthful offender status, that person is given a blended sentence in juvenile court; that is, the individual is adjudicated as a delinquent and sentenced as an adult at the same time, for the same violation. The adult sentence is suspended while the youth has the chance to successfully finish the conditions of the juvenile disposition.

To check what youthful offender status means in Vermont you can research your state’s law with regards to this term or contact an attorney or courthouse.

Tags: Young driver car insurance

How can I get discount for my teenager car insurance in Vermont?

John

Burlington, VT

Hello there, John.

It’s good that you asked about discounts for teen car insurance in Vermont since this can give you a significant amount of savings from your insurance.

Most auto insurance companies will normally charge high premiums for teenage drivers because of 2 reasons: teens are less experienced drivers and teens can become more aggressive and careless on the road.
However, despite the statistics, auto insurance companies also give into consideration that not all teenagers are the same.

That’s essentially the reason why most auto insurance companies offer discounts for teenage car insurance policy as long as the requirements are met.

I know that one of the discounts that is available is a good student discount. For teenagers that maintain a B average or higher, eligibility for this discount is attainable. This is because teenagers that are good students tend to be less of a risk when behind the wheel of a vehicle, based on studies. Another discount for teenage auto insurance from some insurance companies is available for parents of teenagers who have taken a drivers education course. The savings on your insurance could be less than the cost of the driver’s education course, so it is therefore always a wise investment.