Tips For Getting Teen Driver Car Insurance Discounts
Maybe it’s because they’re young, and maybe it’s because they are new drivers. I would suggest that it is for both reasons. However, whatever the cause is, 16 year olds have been found to get into ten times as many car insurance accidents as do middle aged drivers, which is why kids their age cost so much to insure. As a parent trying to get a decent price on your car insurance premium, here are five of my ten steps that you need to take with your teen to insure that your premium gets low and stays there.
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Know the law.
Make sure that your kid learns the rules of the road and doesn’t forget them. Being unaware of different traffic laws is one of the big things that is involved in teen accidents, causing more claims on your insurance policy. Teens might remember important laws about right of way and using blinkers when they take their test, but later on they easily forget. If you keep learning, even after your teen gets their license, your risk will go down.
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Be a role model.
Let me use my mother as an example. She’s a terrible role model for young drivers. She drinks (not alcohol, but any drink is a distraction), eats, reads, and writes while driving. My brothers and sisters watching her might be inclined to take after her. However, if you set a good example for your new driver by following the traffic laws and being careful on the road, then you’ll save your self some Lancaster CA car insurance claim headaches in the future.
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Keep them close.
The best way to make sure your teen is insured is to put their name on your insurance policy. Everybody who is driving is required to be insured, so you can’t be too scared about the prices. They have to go on your policy.
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Reward and punish.
One great things that many car insurance companies offer can also be used as a tool for parenting, and that is the good grade discount. It’s simple: if your kid gets good grades in school, enough to get the discount, then they can use the car. If not…well, less time driving is more time spent studying, right?
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Don’t skip driver’s ed.
I didn’t take driver’s ed as a teen, and I’m okay for it, but many people aren’t. Don’t let your teen avoid getting his or her license, and don’t let them avoid driver’s ed if they get their license after eighteen. Make sure they are enrolled in a comprehensive driver’s education course so that they get some first and second hand knowledge of the roads.
How To Get Cheaper Car Insurance For Your Teenager
Car insurance premiums aren’t cheap, and even less when you add your new driver teenager to your policy. This is why you need to make the most of this new addition, pay attention to discounts, and encourage responsible behavior so that you can avoid future accidents. Car accidents are the number one cause of death among teenagers, and they often involve alcohol in the mix. Here are a few steps to follow to keep your teen safe on the road and, as a result, keep your car insurance premium cheaper.
- Pick the right car.
Every teen wants a sports car, a convertible, a big truck, whatever, but that doesn’t mean they should get one. I’m saying this even if you’re rich and have the money, and even if your teen has a job and can pay the monthly car note. When I was working my first job, one of my co workers was 16 and had just started buying a car from his dad. It was a big truck, and a new one, but all of his check went to it, almost. Guess what happened the first night he drove that car?
He crashed it. Yep, and then they had to file an insurance claim. I want you to think about the fact that kids are more likely to wreck cars, so you don’t want to spend too much money on them. Also, flashy cars are more encouraging of irresponsible behavior. On top of all that, the more expensive and dangerous the car, the higher your insurance premium will be.
- Share the burden.
Your kid is the one that’s making your insurance premium so high, so why shouldn’t they contribute? You can get them to do this by requiring them to pay part of the premium with proceeds from their job, or by having them do extra chores around the house. Whatever works for you.
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