Affordable Teen Auto Insurance -- 10 Steps You Must Take To Keep Them Safe And Pay Far Less
There are steps that will help you get affordable auto insurance for your teen. There are also simple steps that will help your teen stay safer while driving. I'll share both aspects in this article...Teen drivers are not regarded as good risks by any auto insurance carrier. They are known to have more crashes than all other age groups and many parents would be glad if they accept to NOT drive.
For families who really do have such an influence over their teens, it may work.
But you must bear in mind that peer pressure is quite a very big issue at this age.
So what can you do to both ensure your teen driver is safer and bring down the normally high auto insurance premium teen drivers attract?
Following are tips that will help a great deal...
1. It's a great decision to make them bear the cost of their auto insurance or a good chunk of it. Whatever advice you give thereafter to help lower what they pay will more easily accepted because they are the ones paying and will as well be the ones to save with reduced rates.
Most teens will tell you they are grown-ups once it has to do with privileges. However, if you intend to help your teenager truly grow up, let them understand that with any privilege is attached some obligations.
2. Don't allow them to drive in the company of their peers unless you or another responsible adult goes along with them.
3. Have you teen promise never to drive at night. If this isn't feasible in your teen's case, show him or her what to do and how to conduct themselves in given situations.
People who drive at night (between 9.00pm and 2.00am) are exposed to a bigger risk of accidents.
4. Make sure they understand the dangers of driving after drinking and have them promise never to drive once they take it. Err on the side of safety and maintain that they must NOT drive once they've taken even a sip of alcohol.
5. Ensure your teen appreciates the difference between racing and driving.
They must always obey speed limits and traffic laws.
6. They must tell you where they want to drive to with their cars. It is difficult sometimes to say 'NO' but there are cases where your teen is better off using a cab.
7. Let your teen drive a car that has a high safety rating.
8. Avoid sports cars and SUV's. Apart from the fact that they naturally attract higher rates, they also expose your teen to more risks. Sports cars encourage over-speeding. SUV's, on the other hand, have a high center of gravity -- making them less safe than vehicles with a low center of gravity.
9. Encourage your teen to maintain straight A's or a minimum of B's at school. This will attract the "Good Student Discount."
10. Make your teen the primary driver on your old car. Old cars (not classics) do NOT need collision and comprehensive coverage. Drop these as they will NOT do you any good on an old car.
But will your teen want to drive an old car? Well, that's a question for another day.
Yes, these may not work in homes where the parents and teens don't have already a good relationship. Notwithstanding, you can cut down your teen's rates by doing the following...
As you take these other steps to reduce your auto insurance premium, here's what to do to receive lower rates today. Visit good insurance quotes sites and obtain quotes. Visit not less than five of such for the best results.
It's free, quick and easy. Make sure you give your correct details as you fill the questionnaires on each site. The last step is to just pick the insurance company that gives you the best price/value from the quotes you receive.
Start getting and comparing quotes. The box below is a good place to start. It's free and will take you just a few minutes...
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