Child Insurance:I want to get my child car insurance set up soon. Is one company better than another?

Question

I have been looking in to my options for getting my child insurance online. I have found a great site for companies offering coverage in my area, http://www.childinsure.com but I am not sure which of the companies provides the most flexibility when insuring children. Does anyone have an opinion or experience one way or another with respect to this situation? For example, I know some companies will provide my child auto insurance without them having taken driver's education. Thanks.

Answer 1

Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.

The best thing to do is call a LOCAL independent agent. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.

An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.

In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!

Stay away from all of the cars that you would LIKE to be driving and settle for something more sedate - don't mix numbers and letters (300ZX, Z28, 240Z, Z71, M3, Z3 and the like) - instead, lean toward the 4dr sedan like Toyota Corolla, Nissan Altima. If you want REALLY CHEAP - look at the KIAs and Hyundais - but, you get what you pay for.

Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!

Good luck, drive RESPONSIBLY and I hope this helps!