Car Insurance Rates For Teenagers



Here are some important things you need to know about Car Insurance Rates For Teenagers. As any parent knows, Teenager Driving Insurance Rates can make the family's insurance premiums fly through the roof. While there are ways to save on policy premiums if you have a teen driver, the bottom line is that car insurance for teenagers does cost more, and that's just the way it is. I tell it like it is.

Several factors contribute to the cost of insuring a young driver, notably their lack of driving experience and historical evidence that they may not be as responsible as an adult. Some are but the majority are not, and that is probably why you are inquiring for more info on how to properly get a good insurance rate, and I intend to help you do just that.

Keeping Car Insurance Rates For Teenagers Low

Make sure your teenager understands that he is starting out with a perfectly clean driving record. If his record stays perfect, insurance rates will come down over time. In fact, some insurance companies reduce rates each year that your teenager does not have an accident or get a ticket.

Always compare rates and policies before purchasing insurance. Your current insurance policy may be better for you, but may not have the best rates for your teenager. Check around for joint and individual policies as you may find it more affordable to get better Car Insurance Rates For Teenagers on a separate policy.

Type of Car Insurance Rates For Teenagers

One of the ways to control the cost is to make sure the car the teen will be driving is not a sports car. Although many teens want to drive a fast, sporty car, the cost of insuring them can be prohibitive. Keep in mind that the higher the horsepower rating is, the more the insurance premium will be. You should also choose a vehicle that does not have a high theft rate to help keep premiums low.

Older, heavier cars are not as easy to drive recklessly and therefore are safer and less expensive to insure. For an older car that is paid in full, you also have the option of dropping collision and comprehensive insurance and carrying only liability insurance. This can help to reduce your Car Insurance Rates For Teenagers. Furthermore, with older cars, the blue book value is lower, which also reduces the cost of insurance.Driving History and Car Insurance Costs

Most insurance companies offer substantial discounts for a good driving record. Make sure your teen drives carefully. Avoid insurance claims for minor damage such as bent fenders and encourage your teenager to observe driving rules so as to avoid traffic tickets. Both insurance claims and traffic tickets can make Car Insurance Rates For Teenagers even more expensive.Drivers Education and Insurance Premiums

Driver's education can also contribute to lowering insurance costs for teens. Some states require driver’s education before a teen can get a license. If a teenager does well in a driver’s education course, some insurance companies may lower the premiums. If your county or state does not require mandatory driver’s education, find a class for the teenager to attend. Your local high school or community college may offer driver’s education classes, or you can contact the motor vehicle department to find out if they can give you a list of places that offer courses.Good Student Discounts and Car Insurance For Teens

If your teenager has good grades or is on the honor roll, insurance companies will often give you a break on premiums. Teenagers who do well academically tend to be considered more responsible than other teenagers, and will be rewarded with lower rate on their premiums.

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Saving Money on Car Insurance Rates For Teenagers

Many car insurance companies consider drivers under the age of 25 a higher than average risk for auto related accidents. This high risk of teen accident and death can quickly raise your insurance rates 50 to 100 percent.

But wait, don't take away your teenager's car keys just yet. You can save money and afford the insurance you need to cover your teenager…if your teen expends some effort and follows some simple guidelines listed here below:

A. Keep a Clean Driving Record — Just one DWI conviction can raise teen insurance rates from a base premium of a few hundred dollars to thousands of dollars annually for at least three years.

B. Involve Yourself in Your Community — Young people who join certain civic or community organizations such as Eagle Scouts or Girl Scouts can receive discounts from their auto insurance companies.

C. Choose a Safer Car — Teenage car insurance may cost up to 50 percent less if your teen drives a safer car such as a Honda Civic or a Volvo. Newer model cars with airbags are the least expensive to insure. They are also the safest for your teen to drive. Sports cars, expensive cars, high-performance cars and SUVs carry higher risk and higher insurance premiums.

D. Add Safety Features — Safety features such as anti-lock brakes, traction control, automatic seat belts and side impact air bags can reduce teenage auto insurance rates to a large degree.

Teaching by ExampleMore young people between the ages of 15 and 20 die in car crashes than from anything else—causing risk for the car insurance company and higher quotes for teen drivers.One of the best ways to offset this risk and keep teens safe is for adults to set a good example behind the wheel. Parents who actively model safe driving practices like these in front of their teen ultimately produce better adult drivers with lower car insurance quotes:

Driving Tips to lower your Car Insurance Rates For Teenagers

Adding a young person to your car insurance policy can raise rates 50 to 100 percent. But with a few strategies, you can help keep rates low by having your teen follows these rules:

1. Keep the number of car passengers to a minimum. The more people riding in the car, the greater the likelihood of accidents which mean high teen insurance quotes. In fact, with multiple car passengers the risk of crashing is three to five times greater than when driving alone.

2. Slow down. 90 percent of teenagers admit to speeding. This is one of the main causes of car crashes, which means high insurance quotes.

3. Buckle up. About two-thirds of teenagers who die in car crashes are not wearing seat belts. For more advice on the subject, talk to your insurance agent about the effect of accident on teen quotes.

4. Put the phone down. Driving while talking on the phone, dialing or texting distracts basically all people not just teenagers and increases car accidents and high insurance quotes.5. Speak up. If a teenagers friend is driving recklessly, ask him or her to quit it or get out of the car as soon as it's safe to do so. Believe me its not worth crashing.

6. Stay home when under the influence of alcohol. 25 percent of teenage drivers killed are intoxicated, leading to increased teen insurance quotes.

Car Insurance Rates For Teenagers

Driving is a privilege your teenager should respect, so it's good to lay down some ground rules before he or she ever gets into the driver's seat! By laying down a few rules, you can help your teen approach the wheel with a mature attitude and save money when covering your young driver. We truly do want them safe don't we?

Driver Education Classes

Most high schools offer driving classes as part of the curriculum; if not, enroll your child in a licensed driving school, where they will learn the typical and practical aspects of safe driving. Many insurance companies will provide a discount for enrollment in driving classes.

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