subject: Cheap Teen Auto Insurance For Your Young Driver [print this page] Remember when you were young, driving around, showing off your car, impressing your friends? It's the American dream -- every kid wants a car when they turn 16. But with a car come lots of responsibilities. You have to get insurance, for one. Cheap teen auto insurance doesn't come easy, but there are companies proving great low cost auto insurance coverage to teenagers and young adults alike. How do you get low rates and realistic quotes when you're shopping for car insurance for young people? Follow a few tips and be an informed consumer.
First, realize that companies charge higher monthly premiums to younger drivers. Since they're less experienced, they present more of a risk to the insurance company. Young people, males in particular, also tend to take more chances and occasionally do dumb things. For these reasons, auto insurance for teens will cost more than a policy for an older person. That goes whether you're getting basic liability coverage, collision, or comprehensive coverage.
Tips For Lower Rates
So how can you get lower rates on teen car insurance? There are some common ways people get great deals on insurance.
First, keep a clean driving record. Although this won't help initially, those who avoid tickets, speeding fines, and other moving violations will see their rates decrease over time. In contrast, it only takes one ticket to raise your rates. Since teens are especially prone to speeding, be sure to council your child to obey traffic laws. The worst thing you can do is to get a DUI. This will raise your rates sharply, and can even make insurance unaffordable.
Second, get insurance with a high deductible. This means that if you use your insurance, you'll have to pay more out of pocket before the insurance company starts to pay. However, you'll pay much less in monthly premiums. If you really teach your teenager proper driving skills and trust them to be a safe driver, then getting a high deductible plan is a no brainer. You'll save lots of money over the lifetime of the insurance.
Third, get a safe car for your young driver. A sports car is not a good idea for a first car. For a teenage driver, the best type of car is a small sedan or other family type car. Don't encourage them to speed or perform other dangerous moves. A car with lots of safety features will be cheaper to insure, anyway. Plus, insurance for sedans and family vehicles is less expensive than sports cars and other types of fancy car. Taking into account what car your teenager will drive is one of the most important parts of getting cheap auto insurance.
Finally, to get discounts on teen auto insurance, enroll your child in drivers education, defensive driving, or some other type of drivers education course. This will often give a discount on insurance.
by: Steve Mackey
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