How to Insure Your Teenager
Before you even know how much ok car insurance is going to cost to insure you son or daughter you need to get some quotes to see what rates you could get if you have your teenager as an additional driver on your policy or if your teen has their own policy. Maybe you get a nice surprise if you didn’t get any quotes in a while. We all know it can be very expensive to insure young drivers once they can drive a car. Insurance companies base there premiums on risk factors and these risk factors might be different for each insurance company too. We don’t know exactly how insurance companies calculate premiums but we do know some factors that have an affect on your premiums. Some of these factors are beyond your control, like insuring a teenager or young driver, but there are some ways to influence the insurance rates. You could get lower rates if your teen keeps a clean driving record, gets good grades or even if he or she drives a safe car. This article will give you some tips on how to get lower rates to begin with and even lower these in the future:
How to Insure Your Teenager
Wondering how to insure your teenage driver? Read on for ideas on getting cheap rates and other techniques involving auto insurance for a teen.
Get Low Rates: Pretty much everyone knows teenagers are among the most expensive group of people to insure when looking for car insurance. Because they are categorized as high risk drivers, they will be charged higher rates than what the average driver gets charged. The policyholder may notice they are paying quite a bit more to insure their own teenage driver and may want to find a good way to provide adequate insurance but at a lower price. The best way to find the lowest price for teen auto insurance is to conduct some research and learn more about what local companies are charging other teen drivers for the same coverage. Instead of contacting each company individually, it would take only a few minutes to use our quote comparison tool to get this information.
Starting with the white box found at the top of almost all of our webpages, enter in the local zip code to begin the quick process. Upon clicking “Go” a new page will appear with the first section of questions. There are a couple pages of questions, but each page only has a few things needing to be answered. These questions are about the teen driver and the car they will be driving. Then there is a section that will ask about the desired coverage. When a consumer answers these questions honestly, the quotes which are provided at the end of the questions will be more accurate. What’s really great about our method is we do not need the consumer to disclose personal information, such as a social security number, to get the quotes. Unlike other sites who require this number, we can give out reliable quotes without that number being used.
The final part to the quote process is actually receiving the quote page with a list of prices and the companies offering them. Take time to evaluate the prices and the companies. These are an accurate description of what is being offered to other teens with the same driving record, experience, vehicle type and coverage desired.
Find Discounts: In addition to using our quote tool to see what prices are currently being offered by other companies, looking for discounts that apply to the teen will also help keep rates low. For instance, there is one discount commonly referred to as the good student discount. Depending on the insurer, this discount may be offered to teens in high school and college, or just college. It is predicated upon the grade point average the student teen earns with each marking period that passes. The policyholder is required to send in proof by sending a copy of the official report card to the insurer to even have their teen considered for this discount. The grade point average to qualify for the discount is determined by the insurer and the student must uphold that GPA for as long as they want the benefit of the discount.
Another discount that can sometimes be applied to 19 year olds is the good driver discount. Insurers may request that the driver prove they are a good driver through their driving history of the previous three years. Other insurers may not feel that any teen, no matter what their driving experience has been, should qualify for this discount. It’s worth talking to the insurer and finding out more details in order to keep the teen’s car insurance premium as low as possible.
Have Rules: Giving the teen driver rules and guidelines to drive by will help keep costs down because those rules may indirectly keep their rates low. Rules like curfews keep the teen off the road during dark hours where it becomes more difficult to see objects in the road. Limits on cell phone use in the car will help keep the teen driver focused on the road and not on dialing a phone number or talking to someone over the phone. When a driver is more focused on the road and the other vehicles surrounding them, there is less of a chance of becoming part of an accident. Also limiting the number of miles a teen can drive throughout the week or month will help keep them off the road for joyrides and other types of activities that can result in traffic incidents. Only allowing the car to be used for school and work purposes will decrease the amount of time spent on the road, which decreases the chance of getting in an accident.
These rules and others may be used as a way to teach the teen responsibility and have them better see and understand that the purpose of driving isn’t all fun and games. There are reasons why traffic laws exist, and that is to keep all drivers safe and minimize the number of accidents. Home rules relating to driving can also do the same.
Don’t Give Them A Sports Car: A teen driver’s rates are not only determined by how they act behind the wheel, but they’re also figured using the vehicle the teen will be driving. Sports cars and other vehicles that can go fast will be much more expensive to insure than a more modest and average vehicle. Teens, especially males, will drive the sports car fast, and this has been proven by statistics. This statistical proof is what coerces insurers to instantly hike up the rates for a teen driver with a sports car. They know the high chance that a claim will be filed and the insurer will be paying for the repairs caused in this predictable accident. Ask the insurer which type of vehicle will be the least expensive to insure for your teen.
Teenagers live for the thrill of getting their license and perusing the streets on their own. Insuring them is a big deal, especially since in most states it’s the law. Someone getting caught without auto insurance is likely to be fined, ticketed, and in some instances spend time in jail. Finding out the best way to get auto insurance for teens is usually up to the parent, but by using our site it’s an easier process.
Article courtesy of www.OnlineAutoInsurance.com www.onlineAutoInsurance.com
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