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Car insurance for teenage drivers
Car insurance can be expensive for teenage drivers - the higher the risk, the higher the premium. One thing you can do to keep your premiums low is to keep your teenager’s license free of violations. These tips can help:
1. Help your teen learn the laws and follow them at all times. The best way to keep your premiums low for teens is for them to keep their driving record clean. Make safe driving a family project. Parents should refresh themselves on the current laws and insist that their son or daughter follow them.
2. Set a good example. Do you break the speed limit and tailgate? Do you yell at other drivers when you are behind the wheel? If you do, how can you expect your children to act differently? Start watching your own driving ling before they get their license and you’ll have a much easier time convincing them to be safe drivers.
3. Put your teenager on your policy. Rather than setting up an independent policy for your teen driver, put them on your auto insurance policy as an additional driver. This way, all the discounts applied to your policies will be passed on to them.
4. Enroll your teen in a driver education course. Discounts are available for teens who take recognized driving classes.
5. Stay away from sports cars. Getting your teenager a safe car to drive, with the latest safety equipment will keep your premiums at a minimum. Not only will you save money on car insurance, but fast driving will be less of a temptation.
6. Ride with your teenager. Your teenager was a safe driver last year when he or she got a license – but what’s happened since then? Let your son or daughter take the wheel while you sit back and relax in the passenger seat. If you see them doing something that breaks rules or seems unsafe, point this out in a diplomatic way. If they do a good job driving, be sure to praise them for their efforts.
7. Make sure your teen knows the danger of texting while driving. Drivers under the age of 25 are at the highest risk for automobile crashes. And texting doesn’t help their odds. Distracted driving is dangerous. It doesn’t cross people’s minds what could happen when you look away for even a second. There are various Public Service Announcements (PSAs) on the Internet that can help get the point across. So have your teen put the phone away while driving and better yet, put the phone in the back seat so they won’t be tempted to check messages or answer it.
To find out more contact one of our agents today at 888.833.8378.
