We have to let them drive once they turn 16, or they will keep driving us around town. Teenagers are difficult, but teenage drivers can be a different story. Although it might seem expensive, getting car insurance for teens will save you some money if they get into trouble. As the old saying goes, it is better to be safe than sorry.
They must be able to stand on their own feet and become independent. They all desire the freedom that comes with driving a car. Statistics show that younger drivers are four times more likely to be killed than older drivers. This is because of inexperience and recklessness, which can be caused by being too confident. This is why insurance companies often charge 50-200% more for teenage drivers, especially young men.
For insurance policies to be valid in most states, an adolescent must be at least 16. You must add them to your car insurance policy as a driver if they are younger than 18. This could be expensive as drivers younger than 25 years have the highest insurance premiums. Other factors that will be considered include your age, gender, location, type of vehicle and how often an adult is present with the driver. Because they are more likely to be in a collision, male adolescents will have higher premiums that females. Because they can cause serious and expensive damage, high-end, or very large cars, it will be more costly to insure.
You could save money by letting your teen complete a DRIVER’S EDUCATION COURSE, or learning from professionals. Most insurance companies offer discounts to teens who have completed the course successfully and signed an agreement regarding safe driving habits in order to avoid tickets.
Many auto insurance companies believe that responsible drivers are made of good students. This is why they offer a GOOD STUDENT DISCOUNT. You can get a 5-10% discount on your premium if your child has a grade point average of B or better. This is if they have been in good standing with their school. If your child really wants to drive, you can emphasize the importance of good grades.
If you are a good driver, adding your child to your policy is another way to save money. The premium should not be prohibitive if your teenager only drives a single car. If you are a poor driver or own a costly car, you may want to speak with an agent to see if your options for saving money. If you have a teenager driving a high-end car, your premium will skyrocket. Insurance providers will assume that the child is the owner of all family cars. It is also possible to purchase a cheap, secondhand car and insure it under your child’s name.
Teens love to park anywhere, so it is safe to secure your car from theft. You can install safety features such as fit better locks and immobilizers to your car. Check with your insurance provider to see if they will reimburse you for safety features.
