subject: Are Your Insurance Rates Too High? [print this page] Teenagers and car insurance do not seem to go well together. When a teenager in the house gets their license, higher insurance rates are sure to follow. This is because statistically, teenagers are involved in a disproportionate amount of traffic accidents, some of them serious ones.The best way to protect your teenage while at the same time helping to reduce your insurance rates is proper driver education, training and practice.
The reason is simple. New drivers don't have a safety record to consider when setting policy rates, and insurance companies have to rely on the statistics concerning new teenage drivers.Unfortunately, these statistics are not good.Teenage drivers are involved in an inordinate amount of accidents each year.Solutions?Work with your teenager to help make them a better driver.
Make sure that your teenage driving candidate has all of the proper courses before getting their license. This will not only reduce their effect on your insurance rates, but will help them live long enough to prove how good a driver they really are.
If they are available, consider supplemental courses on driving safety, defensive driving and driving in adverse conditions. Again this can enhance your child's chances of avoiding accidents, and many insurance companies take these extra classes into consideration when setting your rates.Spend time with your kids explaining the realities of driving on the road.Stand on a busy corner and explain the hazards that are visible from your locations. Point out drivers who are doing well or poorly in regard to those hazards.
Drive around with your teenager riding shotgun. Explain the choices that you make along the way and how they can help you avoid accidents. Not only are teaching your teenager traffic safety, you are taking something of a refresher course yourself.While these tactics won't all reduce your insurance rates right away, they will put your teenager on a path for safe driving and ultimately lower insurance rates.
by: Lee Dean
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