Guide To Buying Teenage Auto Insurance


When teenagers first begin to drive, they with time learn that insurance is and will always be a key factor in their driving lives. Purchasing auto insurance for your teenager can be quite costly and demanding. This is because teens are considered to be among the group of high risk drivers. However with adequate knowledge you can be able to purchase cheap auto insurance for your teen without having to put a strain to your finances.

Have Your Teen Enroll In A Defensive Driving Course.

This can be taken in a private school or can be done online. Defensive driving courses educate drivers on the various types of accidents likely to occur and how to avoid them. They also discuss ways of handling difficulties on roads such as emergencies, unfavorable weather or even heavy traffic. Most insurance companies offer discounts for drivers who take the initiative of attending these courses.

Ensure Your Teen Has a Clean Driver’s record.

It is important to enlighten your teenager on the importance of maintaining a clean driver’s record. He should avoid accidents, speeding tickets and traffic violations. Failure to observe such after obtaining a license can prompt your auto insurance company to terminate your policy. A clean record will obtain your teen discounting on premiums as time goes by.

Get a Secure Car for Your Teen.

Avoid buying cars with high risk of causing an accident. Most insurance companies will charge more premiums for such. Get a safe car for your teen and ensure it is well maintained. This will include ensuring the brakes, lights and tires are checked often as well as equipping the car with safety measures such as air bags. Most insurance companies will discount premiums on cars that are well maintained. Include Your Teen in Your Auto Insurance Policy. Some parents opt to include their teen drivers in their auto insurance policy. This can be a good idea of saving money as well as ensuring your teenager is secured in the case of an accident. However in some cases this may not be convenient and one may be required to purchase a separate policy for their teenager. Though insurance policies for teenagers prove to be costly, there are ways in which one can cut down on these costs.

Purchase a Policy Offering a high Deductible.

Normally the higher the deductible, the lower the insurance policy will cost you. You can therefore opt to have a higher deductible on your teenager’s policy hence the amount of premiums paid will be cheaper.

Sign Your Teen up for a Standalone policy.

A standalone policy is specifically made for teenagers. It aims at offering restrictions to your teen such as driving limits, driving at night or having a curfew set. This will help reduce the amount of premiums paid.

Shop around for Auto Insurance Companies with Good Rates.

There are several companies out there that offer good rates for teen insurance. All you have to do is research and ask around for such. Try to negotiate with insurers for discounts and use them to your advantage. You can finally settle for an auto insurance company that offers the most affordable rates for your teen.

Set A Good Example

Despite trying to get good policy rates for your teenage driver, it is important to set a good example as a parent or guardian. Over speeding, driving under the influence of alcohol and other distracting habits are some of the practices that your teen will adopt and practice. It is therefore necessary that you observe traffic and other general driving rules for your teen to adopt them too. There are many ways you can save on your teen’s auto insurance. Though not all may apply to your local insurers, you can shop around to find those Car insurers that offer the most favorable rates

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Guide To Buying Teenage Auto Insurance


When teenagers first begin to drive, they with time learn that insurance is and will always be a key factor in their driving lives. Purchasing auto insurance for your teenager can be quite costly and demanding. This is because teens are considered to be among the group of high risk drivers. However with adequate knowledge you can be able to purchase cheap auto insurance for your teen without having to put a strain to your finances.

Have Your Teen Enroll In A Defensive Driving Course.

This can be taken in a private school or can be done online. Defensive driving courses educate drivers on the various types of accidents likely to occur and how to avoid them. They also discuss ways of handling difficulties on roads such as emergencies, unfavorable weather or even heavy traffic. Most insurance companies offer discounts for drivers who take the initiative of attending these courses.

Ensure Your Teen Has a Clean Driver’s record.

It is important to enlighten your teenager on the importance of maintaining a clean driver’s record. He should avoid accidents, speeding tickets and traffic violations. Failure to observe such after obtaining a license can prompt your auto insurance company to terminate your policy. A clean record will obtain your teen discounting on premiums as time goes by.

Get a Secure Car for Your Teen.

Avoid buying cars with high risk of causing an accident. Most insurance companies will charge more premiums for such. Get a safe car for your teen and ensure it is well maintained. This will include ensuring the brakes, lights and tires are checked often as well as equipping the car with safety measures such as air bags. Most insurance companies will discount premiums on cars that are well maintained. Include Your Teen in Your Auto Insurance Policy. Some parents opt to include their teen drivers in their auto insurance policy. This can be a good idea of saving money as well as ensuring your teenager is secured in the case of an accident. However in some cases this may not be convenient and one may be required to purchase a separate policy for their teenager. Though insurance policies for teenagers prove to be costly, there are ways in which one can cut down on these costs.

Purchase a Policy Offering a high Deductible.

Normally the higher the deductible, the lower the insurance policy will cost you. You can therefore opt to have a higher deductible on your teenager’s policy hence the amount of premiums paid will be cheaper.

Sign Your Teen up for a Standalone policy.

A standalone policy is specifically made for teenagers. It aims at offering restrictions to your teen such as driving limits, driving at night or having a curfew set. This will help reduce the amount of premiums paid.

Shop around for Auto Insurance Companies with Good Rates.

There are several companies out there that offer good rates for teen insurance. All you have to do is research and ask around for such. Try to negotiate with insurers for discounts and use them to your advantage. You can finally settle for an auto insurance company that offers the most affordable rates for your teen.

Set A Good Example

Despite trying to get good policy rates for your teenage driver, it is important to set a good example as a parent or guardian. Over speeding, driving under the influence of alcohol and other distracting habits are some of the practices that your teen will adopt and practice. It is therefore necessary that you observe traffic and other general driving rules for your teen to adopt them too. There are many ways you can save on your teen’s auto insurance. Though not all may apply to your local insurers, you can shop around to find those Car insurers that offer the most favorable rates

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