No-fault does not mean no liability. With no-fault, policy holders receive settlements quickly. However, no-fault also doesn't protect your child from legal matters pertaining to an accident. Insurance costs The younger your child is, the more she'll have to pay for a premium. Other factors that influence payments are your child's driving record, record of speeding tickets or accidents, and place of residence.
City dwellers pay more since urban areas have higher theft rates.
Tell your child not to register her car in Aunt Sue's little rural town where the rates will be less. If she is in an accident and the insurer discovers that your child lied about her residence, her policy could be voided. How to lower car insurance costs There are ways of lowering the costs of car insurance. Ask for discounts available to drivers who don't smoke or drink, take driver's education, get good grades, have antitheft devices or antilock brakes, etc. If your child drives safely for years, she may be able to reduce the cost of her premiums.