Low Cost Auto Insurance For Teens
As a parent when you are looking to get your teenager car insurance for the very first time, you need to realize that for insurance companies, children and adults between the ages of 16 and 24, no matter what their gender are the highest at risk group on the road and behind the wheel.
They are more likely to get tickets and to have accidents than any other group. Not to mention that they associate their age with how much experience behind the wheel. This makes getting low cost auto insurance for teens much more expensive than for any other age group.
So just why are teenagers more costly than any other group on the road? Well, it comes down to one thing risk. To any insurance company teenagers are more of a risk on the road and therefore it is necessary for them to charge more because of the statistical information that has been collected over the years on this subject. The downside is that no matter if your teen is mature and cautious behind the wheel or if they are reckless, you will still have to pay those higher rates for them to be insured.
There are things though as a parent that you and your teenager can do to help lower your insurance premiums and get low cost auto insurance for teens. Some of these things include:
State certified drivers education courses. Depending on what state you live in these classes may actually be part of their high school experience or they may be something you need to sign up for as a extra circular activity. Either way, going through that class and passing will help to lower their insurance costs.
Look at the vehicle that your teen will be driving. Just like you and me, the car a teenager will be driving changes the amount of money the insurance will cost. While they most certainly want to go for something that is brand new and sporty looking, a used vehicle that has low miles and is in excellent condition is a much better choice for a teen. Not only will it save money on the cost of the car, but it will help find low cost auto insurance for teens as well.
Check and see if your insurance company has a “driving contract” that your teenager can sign and will abide by. These generally say that the teenager will do whatever they can to make sure they drive safely on the road. That means no using their cell phone or sending or receiving text messages while driving. Also, agreeing to wear their seat belt and keeping things under control in your own vehicle to lessen distractions will be part of that deal.
There is no way to totally get around the fact that teenagers insurance costs are much higher than anyone else on the road. These steps as well as others can help you to shave off small portions of that insurance cost and help to keep those premiums more affordable and find low cost auto insurance for teens.
