There are different types of auto insurance coverage, policies for differenty models of vehicles and the premium cost varies depending on many factors that need to be considered.

You may have many questions that you want to ask before you can make the right choice about your car insurance, let me show you some of the most popular auto insurance questions and answers, so you can make a better decision:

What is an SR-22 form?

It varies in every state, the SR-22 is not a type of insurance, but proof that you can some types of insurance. it is just a form that must be filed by the insurance company to the Motor vehicle state department, stating that auto liability insurance is in effect for an individual.

What are the Cheapest Cars to insure for a 16 year old boy?

As a general rule, a cheaper car is less expensive to insure, also common vehicle such as 4 door cars, minivans and 4 dylinder motors are less expensive to insure.

Some of the most affordable cars to insure are:

Volvo “40 dr Sedan
Saturn ION 1 4dr Sedan
Pontiac Sunfire 2dr Coupe
Chrysler PT Cruiser 4dr Wagon
Saab 38600 Linear 2.3t 4dr SportWagon
and others

Car insurance for teenage drivers is usually not cheap, you should avoid sports vehicles and very luxury cars that are expensive.

Also a car with less safety measures will cost more to insure especially for a teenage. Small cars such as a Civic, Ford FOcus and Saturn MOdels are some  of the most popular choices, but the fact is that they are not a good choice for teenagers, because they have some of the highest death rates.

I got a Speeding Ticket, How will it affect my auto insurance premium?

It may depend on your state, however auto insurers are usually not allowed to raise your rates after just one speeding ticket.

There are different practices to raise premiums, there are companies that consider the severity of your violation and others that raise the premium  after a specific amount per violation.

Also consider that if you have a clean driving record you can get a discount and if you dont, you will have to pay the normal rates.