Teen Driving Tips:
Lower Cost
Car Insurance for Teenagers
Teens
often forget the cost of driving includes auto insurance.
Putting Gas in the tank is only part of the cost of having
an automobile. Rates for teens are higher for a variety
of reasons, including a lack of experience on the road.
Insurance as a concept is based on the idea of sharing expenses
among a group of individuals where the risk is calculable.
It is important to not that as a group teens are involved
in a greater number of auto accidents where critical and
fatal injuries are incurred. In fact the leading cause of
death among young people between the ages of 16 and 20 years
is auto accidents. That factor naturally translates into
higher rates for youthful drivers.
Ideas to Lower your Auto Insurance Premiums
Get
on the Honor Roll and stay there –students
who maintain a B average or better are offered lower rates
by most insurers
Drivers
Education is Important – Many insurance companies
offer lower rates for coverage to those students who have
completed a qualified driving course. While many school systems
no longer provide this as a part of the regular curriculum,
there are lots of good private driving schools. Most state
motor vehicle departments can provide you a list of the most
reputable schools in your area.
Don’t
let a good thing get away from you – Normally
when you first get your license you’ve got a clean record
with motor vehicles. Sometimes as little as one ticket early
on can increase you insurance cost two or three times what
it was. An ounce of prevention is worth a lot of bucks, so
don’t get daring and don’t speed or take unnecessary
chances behind the wheel.
Think
Safety When Choosing a Vehicle and When Driving –
Driving an older vehicle that is loaded with safety features
helps keep rates down. If the vehicle you are driving doesn’t
have automatic seat belts, that is no excuse for not using
them. The higher the horsepower the higher the premiums generally
speaking. It is also true that vehicles with low safety ratings,
high theft rates, or high rates of vandalism usually carry
a higher insurance premium. If you need to use the cell phone
pull off the road first. Don’t engage in racing, tailgating,
radical lane switches or other similar activities.
Don’t
Drink and Drive!! – Besides that it’s
just plain stupid if you are under age it’s illegal.
Remember that when a person is performing an illegal act,
the insurance coverage could be nullified. More than half
of all fatal accidents involving teen drivers are alcohol
related. Don’t become part of the statistics.
Compare Policies and Rates Carefully –
Rates vary greatly from one company to the next. It is usually
less expensive to be on your parents policy than to try and
get one of your own if you are not yet 21.
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