Kids these days want to be more independent and have more freedom. But as parents we have a hard time letting them go. Everyone wants the best for their children, as parents we want to make sure they are in good hands. By requesting several auto insurance quotes we can better understand the coverage they need at a price we can afford. Make a checklist of the following important factors before signing the line on that insurance policy.
1. Driving history. Always explain to them how important a good driving history is. Their rate will always reflect this.
2. Set an example first, make sure that you obey all laws and teach them to do the same.
3. Saving is also safety, isn’t it more logical to have your teenager drive a Honda or a Volvo than a fast and furious sports car? Or a heavy SUV? Or a Mercedes-Benz or Porsche. The safer and cheaper your teenager’s car or the less horsepower it has will equate to a lower premium.
4. A vehicle that has a history of accident damage will only increase your premium rates. Purchase a vehicle that has a clean title, make sure it is not a salvage title. How do you know? It’s easy just request a Carfax.
5. Make sure the car your teenager drives has all the safety features like air-bags and anti-lock breaks. This will not only protect your child but will also lower your insurance rates.
6. Make sure your child does their homework. Teenagers who excel in school can sometimes get special discounts with certain insurance companies.
7. Increase their coverage, you never know how many cars your teenager will bump into.
8. Lecture your kids. This is not enjoyable for your teens but they need to remember safe driving measures like, always buckle up, no texting while driving, limit passengers on the car, etc. The less accidents the cheaper the auto insurance.
9. Just like at home, there should be ground rules that your teenager should follow while driving. Otherwise, if they don’t follow them they get grounded. Driving a vehicle is one level up to maturity and it is meant to be taken seriously.
10. Get as many auto insurance quotes as you can. The more the better, often times insurance companies will raise your premiums if they see that you have been with them for a number of years.
As a parent you are responsible for educating your teenager about the responsibilities of driving a vehicle on the road. They are also responsible for their passengers and other drivers on the road. Make sure they realize the impacts of being caught Driving Under the Influence (DUI) to themselves and for other people’s lives as well. Simply having good auto insurance is not enough to get them off the hook. We want to protect them not only today but tomorrow as well, by following the tips above we can insure that they will receive the best insurance policy for the lowest possible price.