What You Need to Know About Young Driver Insurance
If you are like me and have teenagers at home that are starting to drive, you are probably looking for affordable young driver insurance. Don't be shocked when you first get quoted for adding your teen to your policy. And don't despair! Keep reading this article to get some great tips on how to lower your car insurance for the first-time driver in your family.
To give you a little history... teens are considered to be the highest risk driver group out there. So, an insurance company is going to want to protect themselves against this risk, which is why they charge so much more for anyone under 25.
There are a lot of statistics out there about teen drivers. It's a very well known fact that males between the ages of 16 and 17 are more prone to having accidents at a higher rate than female teenaged drivers.
And, you probably already guessed it, but the boys usually have to pay more than the girls for young driver car insurance.
Not a pleasant thought, but something you should definitely be aware of: first-time and young drivers that are between 16- and 17-years old are three times MORE likely to get into a car crash or accident that those drivers between the ages of 25 and 64.
Nobody wants to think of their teenager as one of those statistics. The fact that the current leading cause of death among 15- to 20-year olds are car crashes, you must be armed with this information and talk to your teen about the implications.
The statistics are depressing and in light of that, you most likely won't find really low cost young driver car insurance, but all is not lost. There are ways for you to minimize cost for car insurance for your teen in a few different ways:
Is your teen already driving? What kind of car do they drive? If it's an older car (meaning not a snazzy sports car), your teenager could possible lower the rates for insurance by purchasing their own policy in their own name.
If your young driver is going to be added to your current policy, think about adding them as an "occasional" driver instead of a "primary" driver.
In some states, this tip is mandatory, but if your state does not require it, make sure your young driver takes a defensive driving course or some kind of driver's ed. This course completed will definitely help you obtain reduced rates on the premium.
Buying a first car for your teenager? Resist the impulse to buy them a sports car. A low-performance sedan for your first-time driver is the best bet to help you reduce the high cost of insuring a teenager.
You can get good rates for young driver car insurance if your teen is a good student. Many companies will award lower rates if you can prove that your child gets A's and B's in school.
Understand and implement these tips for getting the best rate possible for young driver insurance and you will most likely find the right policy to cover your teen and fit your financial needs as well. - 21396
To give you a little history... teens are considered to be the highest risk driver group out there. So, an insurance company is going to want to protect themselves against this risk, which is why they charge so much more for anyone under 25.
There are a lot of statistics out there about teen drivers. It's a very well known fact that males between the ages of 16 and 17 are more prone to having accidents at a higher rate than female teenaged drivers.
And, you probably already guessed it, but the boys usually have to pay more than the girls for young driver car insurance.
Not a pleasant thought, but something you should definitely be aware of: first-time and young drivers that are between 16- and 17-years old are three times MORE likely to get into a car crash or accident that those drivers between the ages of 25 and 64.
Nobody wants to think of their teenager as one of those statistics. The fact that the current leading cause of death among 15- to 20-year olds are car crashes, you must be armed with this information and talk to your teen about the implications.
The statistics are depressing and in light of that, you most likely won't find really low cost young driver car insurance, but all is not lost. There are ways for you to minimize cost for car insurance for your teen in a few different ways:
Is your teen already driving? What kind of car do they drive? If it's an older car (meaning not a snazzy sports car), your teenager could possible lower the rates for insurance by purchasing their own policy in their own name.
If your young driver is going to be added to your current policy, think about adding them as an "occasional" driver instead of a "primary" driver.
In some states, this tip is mandatory, but if your state does not require it, make sure your young driver takes a defensive driving course or some kind of driver's ed. This course completed will definitely help you obtain reduced rates on the premium.
Buying a first car for your teenager? Resist the impulse to buy them a sports car. A low-performance sedan for your first-time driver is the best bet to help you reduce the high cost of insuring a teenager.
You can get good rates for young driver car insurance if your teen is a good student. Many companies will award lower rates if you can prove that your child gets A's and B's in school.
Understand and implement these tips for getting the best rate possible for young driver insurance and you will most likely find the right policy to cover your teen and fit your financial needs as well. - 21396
About the Author:
Looking for more information about how you can get cheap car insurance for teens? Protect your wallet and your teen by visiting www.young-drivers-insurance.net.
posted by X - Men @ 4:21 AM
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