Teen Car Insurance — Keeping Them Safe And Attracting Cheaper Rates
Car insurance carriers see teen drivers as the worst risks as far as age groups are concerned. They are known to have more crashes than every other age group combined and many parents would be happy if they agree to NOT drive. Notwithstanding this may work for a few parents, it might not work in many others.
Peer pressure makes it hard for them to be the only kids among their peers who aren’t allowed to drive yet. Is there a way you can get lower rates for this high risk group and also ensure they stay safe? Following are steps that will help you…
It’s typical for your teen to demand privileges that come with adulthood while avoiding the responsibilities that come with it. However, insist that they bear the responsibilities that come with the privilege or at least a part of it.
If it makes sense in your circumstance, let them pay for their car insurance or at least bear a part of their auto insurance premium. Whatever suggestions you make thereafter that will help reduce what they pay will be more easily accepted because they’re the ones paying and they will also be the ones to benefit from lower car insurance rates.
Here are a few rules that will keep your teenager safer…
1) Don’t allow them to drive in the company of their peers unless you or an adult you can trust is in the car with them.
2) Make sure your teen promises never to drive at night. If this isn’t feasible in your teen’s circumstance, teach them what to do and how to conduct themselves in that situation.
Those who drive in the night (between 9.00pm and 2.00am) run a bigger risk of having accidents.
3) If they drink then they must not drive. Err on the side of safety and insist that they do not drive after as little as a sip of alcohol.
4) Teach your teen the difference between a race track and a high way.
Make sure they are grounded if they ever get a speeding ticket.
5) They must tell you where they intend to drive to with their cars. If you feel it’s not in their best interest, advise them to use a cab instead.
Yes, these may not work in homes where the parents and teens don’t have a good relationship already. However, whether you do have or don’t have such, here’s something that will surely help you get cheap auto insurance for your teen: Getting and comparing quotes from a wide range of insurers.
To get huge savings and attract better rates visit…
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Chimezirim Odimba writes on insurance
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