Cheap Car Insurance For Newly Driving Teen Son

Your son now has his driver’s license, and it’s about time for you to start looking for a cheap car insurance for him. But the problem is where to get one? Car insurances vary dramatically in price range, so how can you buy a car insurance that is affordable for your teenage driver?

The premiums given to teenagers are higher as compared to that of adults for the simple reason that they are regarded as more high risk drivers compared to the latter. Statistically speaking, 16 year old drivers are 10 times more likely to have an accident compared to an adult at the age of 30 to 59. This is good enough reason for car insurances to hesitate when giving low rates to their teenage clients. Luckily, there are a few ways to help reduce the costs you have to pay for your teen driver.

First of all, you need to stress to them the importance of maintaining a clean driving record. No speeding tickets, traffic violations, and accidents over a period of time is tantamount to having lower premiums later on. You can also reduce the costs by getting an insurance that has a high deductible. The higher it is, the lower the premium will be.

Teach your teenager to be responsible and have accountability while driving. Let them earn your trust as they drive and let them shoulder a portion of the insurance premium. This way, you can effectively show them the reality of driving and taking responsibility behind the wheel. To pay for the insurance, they will probably get a part-time job since their ordinary allowance won’t be enough to cover for the bill. Working part-time enforces their sense of responsibility and makes them a little bit more mature—win-win situation on your part.

Also, if you plan of buying a vehicle for your teenager, get something that is well built and has extra safety measures. Never get a vehicle that is near the category of a sports car or any high rated car for that matter. Always check the class the vehicle fall under.

But to effectively reduce cost of the insurance policy is by getting a stand alone policy from an agency that specializes in giving teen insurances. This means that they are not added on to your previous insurance as an additional driver; they have their own insurance separate from yours.

The companies themselves have a means of reducing the risk for insuring teenage drivers by imposing certain conditions upon them incorporated in to the insurance policy. They may be no driving after dark, or requiring your teen to attend driving school. The plus side on this one is that it allows them to keep the premiums low.

Now that you know of a few ways to lower your teens insurance premium, it’s time to get moving and search for the perfect car insurance you can find and let your teen driver hit the road safely.

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