My teen daughter, who is currently a working student, refused to get car insurance here in Alaska. I am nervous because she’s traveling every past midnight from her school to her work then drive back home. How can I make her agree to get insurance policy?

Josephine

Anchorage, AK

I advise you to make your daughter realize how unsafe the roads are especially during the night time in Alaska . The picture of US’s roads every night is terrible. According to National Highway Traffic Safety Administration (NHTSA), 12 up to three in the morning are the most lethal hours for drivers. NTHSA added that in 2004, there are about 2,500 fatal car collisions and 76 percent of these are because of drunk driving. This suggests that even if your daughter tries really hard to be careful when driving, drunk drivers may cause pile-ups in unprecedented instances. Your daughter might become a victim of such at times you least expect it. While she is spending little amount to pay for insurance policy from time to time, at least your daughter can avail for a huge amount of cash whenever she gets involved in roadway accidents.

Since I think your daughter is concerned about her expenses, I suggest that you shop car insurance quotes for her. There are affordable car insurance premiums and there are a lot of insurance providers that offers big discounts. But if you own a car and you already insured it, you can change your policy coverage and add to it your daughter’s car. In this event, you will receive discount opportunity from your insurer.