What Are Some Options When Looking Of Ways To Get Cheap Insurance For Young Drivers?
When looking for cheap insurance for young drivers
, there may be a few discounts to take into consideration. Young drivers who are still in school may qualify for discounts if they get good grade or have taken defensive driving classes. When revising your policy to include your teenager avoid unnecessary coverage to help reduce your rates.According to insurance companies, teenagers are irresponsible drivers. The reasons are because they account for thirteen percent of all fatal accidents, they use their cell phones while driving, seventy percent claim to speed up when approaching yellow lights and 16-year old teenagers have the highest rate of auto accidents than any other age group. Therefore, some insurance company will offer a discount to teenage driver who make good grades. The reason being if they are responsible enough to make good grade they may be responsible enough to make better decisions when driving.
Some insurance companies will use defensive driving classes as a way to lower insurance rates for teenagers. Taking the class indicates that they are responsible and want to be a better driver. These classes statistically decrease the number of accidents for people who take them. Risk being the main concern of insurance companies, they will reward people who make the effort to complete them by offering lower premiums.
When adding teenagers to your policy, a good idea is to have your agent raise the deductible. Although, this can be costly in the event of an accident, if you can convince their teenagers to be defensive drivers it will save a lot of money in the end. Perhaps with the money saved you can open a savings account to use to pay the deductible in the event of an accident.
If parents feel that they should buy their teenager a car when they reach the driving age then they should get an older car. Assign your teenager to the oldest car and only allow them to drive that car. To keep your costs down do not buy brand new cars while you have a teenager on your policy. Even if they are not listed as a driver of the new car, the premiums will still be higher with them on your policy.
See if your insurance company will work with you to get the best possible rate for you and your teenager. If not, then get on the Internet and get several quotes from different companies to find something that will get you what you want and fits into your budget. Finding cheap insurance for young drivers does not have to be as hard as it sounds.
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