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 Lancaster CA 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.

• 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 accididents, causing more claims on your Lancaster CA car 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.

• 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.

• Keep them close.

The best way to make sure your teen is insured is to put their name on your Lancaster CA car 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.

• Reward and punish.

One great things that many Lancaster CA car insurance company offer can also be used as a tool for parenting, and tht 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?

• 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.