DUI in Alabama

Reader’s Question:

I still live with my parents here in Alabama but I already have my own car. I just wonder if I could have lower car insurance rates being a young driver and if so, how is that possible?

Noemi

Tuscaloosa, AL

Even though you already have your own car but you are still living with your parents in Alabama, you are still qualified to stay on their car insurance policy. This would certainly give you lower car insurance rates even if young drivers like you are considered higher risks. That is because your parents are in the lower risk category of motorists. This way, your car insurance premiums are cheaper that what they are going to be if you buy your own car insurance policy. But you need to ask first the car insurance provider of your parents because they might not allow this since you own your car.

There are also some other ways for you to have lower car insurance rates as a young driver. You need to go over your other insurance coverage and check you are paying for double-coverage. In case you already have family health insurance, you may opt not to have Personal Injury Protection or PIP. This coverage would pay for your medical bills in case you get into an accident. Sometimes, some auto insurance providers would let you to limit medical compensation under the uninsured motorist coverage in trade for a cheaper rate. You just need to make sure that you are not compromising the quality or your auto insurance to save some money.

Tags: auto insurance, Car Insurance Policy, Car Insurance Premiums, Car Insurance Rates, Double Coverage, Family Health Insurance, Health Insurance, Insurance Coverage, Insurance Provider, Insurance Providers, Medical Bills, Medical Compensation, Motorists, Noemi, Own Car, Personal Injury Protection, Pip, Risk Category, Uninsured Motorist Coverage, Young Drivers