subject: Car Insurance For Young Drivers - Ways To Get Affordable One [print this page] Are you considering the option of having your teenager included in your car insurance policy knowing that at the same time this will come with higher premiums? From your friends you have heard that these policies all the time come with 50 to 100% increase in the overall family premium of the car insurance policy.
Well, the point is that the majority of the car insurance companies see the young drivers ( the ones under the age of 25) as more prone to present risks of getting involved in speedy driving that might end up with car collisions. In case you happened to be around school parking lots around 3 o'clock you definitely would agree with these insurers' fear.
There are however some things you can do to help your teen driver to turn into a safer as well as a young driver who can have a cheaper car insurance policy. The following 5 ways can affect in a good manner the family car insurance rates that you can benefit from:
1. Keep the driving record away from getting 'stained' with tickets and fines. You have to be aware that even if there is a simple DUI infraction it can affect the insurance premium by ten times more. This increased premium can be effective for three whole years, not only for a single one, so watch out!
2. Keep up with the good grades. In case your teen proves to be a good student and shows good grades throughout the school year, keeping up wit these ones can bring your teen lower rates on the car insurance. An average of 3.0 is what is considered a good grade for your teen to qualify for low car insurance rates.
3. You can subscribe your teenager to an accredited driver safety class. There are certain local insurance companies that sponsor these classes or otherwise you could check online for the National Safety Council as with this class your teen could qualify for car insurance discount becoming a safer driver throughout the entire process of schooling.
4. Take into account the purchasing of a safer car. In case you avoid the expensive cars, the sport ones and SUVs for your teen you can save almost up to 50% on the car insurance premiums that can be applied on the car insurance for young driver. You can take into account the newer types that are equipped with airbags and other safety features as a great alternative for your teen.
5. Bring in more safety characteristics. Apart from the safety measures that your teen's car comes already equipped with from its manufacturers, you can always upgrade it with more. These could include sided air-bags, anti-lock brakes and many other more to insure that your teen is safer both for himself and for the other passengers riding with him.
by: neelu
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