Ways To Get Cheap 16 Year Old Car Insurance Rates
It's great news hearing that your son or daughter has just passed his or her driving test
. The next step is to start looking for 16 year old car insurance rates. Prices in this category of insurance cover can vary quite significantly.Your 16 year old is immediately going to be classified as a high risk driver. This is because teenagers have no experience. Insurance will therefore obviously be higher than an experienced adult driver. There are, however, some steps you can take to get cheaper cover.
First, it is the duty of every parent to ensure that their 16 year old fully understands that building a good driving record is critically important. They must be told that even a minor offence will affect this. Also, emphasize that if they can maintain a good driving record, this is going to be a big plus throughout their lives.
If you are going to pay for the insurance, you have every right to make your expectations very clear. You will not tolerate negligence on the road in any form. Furthermore, if your conditions are not respected, you will withdraw their driving privilege altogether. If your 16 year old plays by the rules, you should qualify for a cheaper rate.
Another way to reduce costs is to tell the insurance company that you are prepared to pay an increased deductible. If you are going to buy a car for your teenager, choose one without any fancy frills. Forget about the mag wheels or any other sporty accessories. This will not help your cause.
If you live in the USA, most states have implemented restrictions pertaining to new drivers. These include limits on the number of passengers, limitations on driving at night, and absolute zero tolerance regarding alcohol. Before being removed from the state's New Driver list, your teens driving ability will be scrutinized.
Some insurance companies cater specifically for teenager drivers. They offer 'stand alone' policies which are relatively cheap. In this way, you can avoid adding your daughter or son to your own policy.
There is no doubt that obtaining competitive 16 year old car insurance rates can be quite a task. Statistics unfortunately show that the average teenager, especially a boy, is not responsible behind the wheel. Of course there are many exceptions and, hopefully, your teen will be one. If your son or daughter has a part-time job, perhaps he or she should pay a portion of the insurance costs.
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