subject: Buying The Right Teenager Car Insurance for Your Son [print this page] Teenager car insurance is actually a different area of insurance than the general car insurance that is given to adults who have a steady income. Because teens who drive are generally those who have little to no experience, they are still considered as high risks for liabilities as opposed to a good investment in the part of the insurance company. The advantage that you have here is that, since you are the one who will be paying for the insurance, you can lay down the rules. While the word "rules" usually means a hard time between parents and their child; in this case, it is in the best interest of your teenager. Here are some guidelines that will help you get a good rate on the teenager car insurance that you will get:
Have a talk with your child before you enroll them into any kind of plan. Seeing as you're getting insurance for your child who is already old enough to drive, you don't necessarily have to treat them like they are still children. Just make sure to stress the importance of a good driving record. Let them know that any indiscretions that they commit on the road will go on their record, and may haunt them further on in their adult lives. Although the teenager car insurance you are getting them will make sure that they are covered for whatever might happen, there is still no better insurance than safe driving.
Look for a policy that will offer you a high deductible on the premiums. This would mean that you have to buy your son or daughter a much simpler car, which is probably a good idea anyway, despite the advantages it brings to your car insurance.
Make sure that they are aware of the latest laws that have been mandated for new drivers. In some places in the United States, there are now rules as to the number of passengers they are allowed to have and where they are allowed to drive at certain times of the night. Making sure that they are familiar with these rules will raise your chances of getting good teenager car insurance because it will show the insurance company that your child is responsible enough to actually drive a car.
Instill some policies of your own as a parent. Make sure that they know that their actions have consequences; not just with the law, but also in your home. Lay down rules and regulations as to when they can drive their car and as to where they are going. Teenager car insurance will be a big help, but it will be so much better if your children will be responsible drivers in the first place.
Buying The Right Teenager Car Insurance for Your Son
By: John Keene
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