Car Insurance for Teenage Drivers

The statistics on teen drivers are not good. According to the Insurance Institute for Highway Safety (Insurance Institute for Highway Safety), 16 years old going into the accident almost six times more frequently than drivers aged between 30 and 59. Not surprisingly, the car insurance premiums are so high for this age group. However, not all auto insurance companies take the same dim view of young drivers. And some discounts are available to help reduce costs. Remember that the greater the risk, the greater the cost of insurance premiums. Let this be your guiding principle for the purchase of insurance. Here are 10 suggestions to help reduce premiums and keep its license-free teenager violations: 1. Help your child learn the laws and follow to the letter. For now, the best way to reduce the cost of auto insurance for children and youth face to keep your record clean management. Make sure driving a family project. In some states, restrictions apply to new drivers. Parents should know what are the laws and insist that their sons and daughters follow them. 2. Set a good example. Is Breaking the speed limit and rear? Does shouting at other drivers when you’re behind the wheel? If you do these things, how can you expect your children to act differently? Begin to see their own driving long before you get your license and will have a much easier time persuading drivers to be sure. Remember, actions speak louder than words. 3. Put your teenager to your policy. Instead of establishing an independent policy for your child driver, put them in their auto insurance policy as an additional driver. Thus, all discounts applied to their policies is transmitted to them. 4. Pay your teen to get good grades. Here is a creative art - find out how much to save if your child gets a good grade average and give it to them. Usually, with a 3.0 GPA or higher will reduce its auto insurance premium by 10 percent. To determine exactly how much you save this and give that money to his teenage son. That accomplished two things. First, it provides a direct reward for academic performance. Secondly, it motivates them to continue getting good grades. 5. Enroll in driver education courses. Discounts are available for adolescents who take driving lessons recognized. However, call your car insurance company to find out that schools are covered before paying big bucks. 6. Stay away from sports cars. Do not try to live indirectly through their teenage son, giving them the warmth of the car who could not get in high school. How your child a safe car to drive, with the latest safety equipment, reduce their premiums. Not only will save money in motor insurance, but fast driving would be less of a temptation. 7. Get your support. Do not assume that your teenager wants to empty your wallet clean. Ask them to help reduce costs and brought a share in the savings (see article # 4). Tell them how much the cost of auto insurance and show how this fits into the family budget. If nothing else, you get points for treating them as adults. 8. Talk with your kids about drugs and alcohol. This is a difficult subject to deal with teenagers, who think they have everything under control. But the consequences of saying nothing can be catastrophic. Take the time needed to establish some guidelines in this important area. 9. Take the school to beat the tickets. Once a ticket is his son license, it takes months to get the violation removed. Instead, encourage them to take the school if the judge allows it. A day spent thinking about the consequences of unsafe driving can bring rewards for years to come. 10. Ride with your teen. Your teenager is a safe driver last year when he or she has a license. But what has happened since then? Let your son or daughter take the wheel, and relax while sitting in the passenger seat. If you see to do something that breaks the rules or seems unsure, this point in a diplomatic way. If they are doing a good job driving, praise for his efforts. If you follow the above tips, you will find that you can do through the teenage years safely - and without paying an arm and a leg for motor insurance. Just take the cooperation and understanding on both sides of the generation gap.