Most teens feel like Alice when they get their driving license. It’s exciting, but it can also be scary because it involves a whole new set of responsibilities. The teen may first think of freedom and not responsibility. Parents may view the acquisition of a driver’s license as a way to reduce the amount of parental errands, since the teen is mobile. These thoughts are so easy and pleasant. Then, the scary monster known as Car Insurance appears. The new license for the teen doesn’t look so appealing anymore.
Teenage car insurance is expensive. The reason is that teenagers are a synonym for High Risk in the dictionary of insurance companies. Teens are often new drivers, and are therefore inexperienced on the roads. Teens are often cited as roadkill for speeding, which is a problem. Do you now see why teens are considered risky clients? There are many ways to lower your teenager’s premiums. You just need to fulfill their requirements. One requirement is a clean driving record. As parents, I would be willing to ensure that your teen has a clean driving record.
The insurance company will likely lower your premium if your teen has a clean driving record. This is because your teen is considered less risky than the average teenager. What is a clean driving record? Clean driving records are those that have not been cited for traffic violations, speeding tickets or involved in accidents. Although it may seem difficult to maintain a clean driving record, your child’s safety and your wallet will be greatly benefited.
You should consider increasing your deductible if your teen is able to maintain a clean driving record for a reasonable time. The deductible will determine the price of your premium. The deductible is the amount that you must pay before your insurance company will cover you for your claim. Your premium will be lower if you have a higher deductible. This can help you save a lot of money if your teen is responsible enough not to drive recklessly.
You can also get lower car insurance for your teenager by buying older, more expensive cars. Avoid coupes, sports cars, and large cars. Insurance companies will charge more if you have the money. Consider a more recent model for your teen. It should be safe and have the basic features necessary to allow for comfortable travel. To get to school, your teen does not require nitrous oxide or large exhaust pipes.
If you don’t already have them, consider adding safety features to your car. This will help reduce the cost. Safety car locks, anti theft, ABS braking, air bags, and other safety features will reduce your cost. These features are very affordable to install, and can reduce your car insurance costs significantly. You will also be safer and pay less for your insurance.
Finally, enroll your teen in defensive driving classes. Although it may seem insignificant, actively updating your skills can help lower your insurance company risk rating. These classes could be offered to you and help improve your driving skills. You have nothing to lose by joining these classes. You will learn new skills, and you’ll pay less for your teenager’s premium or your own premium.