subject: Cheap Auto Insurance For Young Drivers - Getting Your Teenager Insured For Less
[print this page] Most parents of teenagers going for their driver's license complain bitterly about the high cost of insurance for younger drivers. This is, unfortunately, a global reality and insurance providers all over the world have high premiums for teenage drivers. However, cheap auto insurance for young drivers is not altogether impossible to find.
High insurance premiums for young drivers are based on the fact that research indicates that a 16 year old driver is anything upwards of 5 times as likely to have an accident than someone 25 years or older with more experience. These cold, sterile facts may not have any bearing on your child's driving but you will still have to live with at least slightly higher insurance premiums for a while.
One way of getting your teenager insured for a reduced premium is to add them as additional drivers to your policy. This will not only save on the premium but any discounts and incentives you have on your policy can benefit them.
Most insurance providers also offer discounted rates to teenagers that attend driver education courses. Before getting your child insured find out which driving schools the company endorses and get your teenager enrolled. Not only will they receive sound driving instruction but you'll save on the premium.
Clean records also translate into reduced premiums so encourage your child to avoid tickets like the plague. If they do get tickets though traffic school is a better choice, if it is allowed, than a tarnished record. It might also do the offender some good in the long run as well.
Good grades can also make a significant difference to your insurance premium. Most insurers offer up to 10% discounts for GPA's of 3.0 or higher. If this saving is given to your child it will be a good incentive to continue to excel academically.
One of the best ways to get your teenager to buy into good driving habits is to make them part of the process and feel that they are taking control of that part of their lives. Be open and honest and make them understand that by being a safe and responsible driver they are contributing to a budget saving that affects the lifestyle of the entire family.
Above all else always set a good example for your teenager. Kids are sponges and soak up everything going on around them. Your bad habits as a driver are sure to be picked up and echoed by them. Restraint, respect and courtesy on the road are one of the most valuable legacies you can give your child.
Although cheap auto insurance for young drivers is hard to find and inflated premiums are generally a reality, it is possible to reduce the effects by following these basic tips. The bonus is that most of them will not only save you money but will make your child a safer and more conscientious driver overall.
by: Alexis Ford
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