subject: Do You Need Automobile Insurance For Your Family? [print this page] Ecology is the buzzword for the new decade. Everyone is going green and trying to save the world.We recycle, we reuse, we reduce. We even compost.
You can't blame the insurance company, though. Your premiums are based on your level of risk. And teenagers are statistically a high risk group when it comes to driving.Statistically speaking, teenagers are far more likely to be involved in an accident than the next four or five age ranges. That means that when they start driving, your family's cumulative risk level goes up too. And when the risk goes up, so do the premiums.
But with driving, there are ways you can save money and help reduce our negative impact on the environment.A big way to save cash and the ecosystem is to drive less.Walk more. Ride your bike to the store or work, weather permitting. Take the bus or car pool. Telecommute or work flex times that give you more days off.
Driving simulators are often used in schools. These devices can help new drivers practice how to deal with critical situations in traffic without the risk and are an important supplement to supervised real world practice. See if your company will discount your rates if your teen has logged sufficient hours on a simulator.Make sure your teenagers keep their grades up. Insurance companies often give breaks on the rates if for teens with higher grade point averages.
Spend some time and some money reducing your risk profile.Taking classes in defensive and hazardous condition driving can often reduce your insurance rates. Insurance companies know that drivers with that kind of training are better risks.Install the anti theft and safety equipment that your insurance company recommends for your vehicle.that can go a long way towards reducing your premiums.
by: Troy Joel
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