Insurance Auto Insurance & Registration

Car Insurance For Teens - The Cheaper Option!

For most teens, obtaining their driving license is like being in Alice's shoes when she came into a whole different world.
It is exciting and it can also be frightening as it is a whole new responsibility.
But the first thing that comes to the teen's mind is freedom rather than responsibility.
On the other hand, parents may see that acquisition of a driving license as a reduction of errands on the parents' behalf because the teen is now mobile.
All these thoughts seem so carefree and pleasing.
And then the lurking monster called Car Insurance rears its expensive head.
Now the teen's new license doesn't seem so attractive anymore.
Car insurance for teens is undeniably expensive.
This is because in the insurance company's dictionary, the word teenager is a substitute for High Risk.
Teens are new drivers and thus are inexperienced when it comes to the road.
To make matters worse, teens never fail to come up in the news as road kill for speeding.
Now do you see why teens are categorized as risky clients? But worry not, there are ways to get cheaper premiums for your teen.
All you have to do is to meet their simple requirements.
One of them is a fairly clean driving record.
I must say that as parents you would be more than willing to make sure your teen maintain a clean if not spotless record.
If your teen has a clean record, the insurance company will most probably reduce the premium as your teen is deemed less risky than an average teenager.
Now what makes a clean driving record? A clean driving record is one without any traffic violations, acquisition of speeding tickets, and involvement in car accidents.
It may be difficult to achieve a spotless driving record but keeping it as clean as possible will definitely bring benefits to your teen's life and to your pocket.
If your teen manages to keep his or her driving record clean for a reasonable period of time, you should consider getting a higher deductible.
This deductible determines the cost of your premium.
The deductible is the amount you have to pay before the insurance company can compensate you for your claim.
The higher your deductible, the lower your premium.
If your teen is trustworthy enough to not drive recklessly then this can save you a lot of money.
Another way to get cheaper car insurance for your teen is to get older cars rather than newer, pricier cars.
Avoid sports cars, huge cars and coupes because obviously if you can afford such an expensive vehicle the insurance company will not hesitate to charge you more.
Get an older model for your teen.
As long as it is safe and has the basic features that enable comfortable travelling it should be sufficient.
Your teen definitely does not need any nitrous oxide or huge exhaust pipes to get to school.
To further reduce your cost, do consider installing additional safety features if these do not already come with the car.
Your cost would be reduced if you have safety car locks, anti theft systems, ABS braking systems, air bags and other safety features.
All this aren't very expensive to install and they take quite a chunk out of your car insurance cost.
So just by being increasing your safety you also pay less for you insurance.
Lastly, have your teen enroll in some defensive driving courses.
It may not seem very important but actively updating yourself can help reduce your risk ratings by the insurers.
You yourself could join such classes and update your driving skills.
There's nothing to lose here as you will improve on your driving skills and also pay less for your teen's premium and maybe even your premium.

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