8

Feb

Teenagers And Auto Insurance

Posted by   Published in Insurance Rates For Teens

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Auto insurance for teen drivers is notoriously expensive. There is a good reason for this, which is statistical evidence. According to research, car crashes are the foremost cause of teenager deaths, and teen driven car crashes are more likely to cause death or injury than others. It takes many thousands of hours of handling a car for a driver to get a good feel for any kind of situation that may arise. Getting a driving license does not mean that someone can drive safely. The skills and knowledge to drive safely take a long time to pick up. So, seems as experience is all-important, you would think seniors would be the best / safest drivers, right?

Statistics though show this not to be the case. Senior drivers tend to have the best driving knowledge, but they are more frequently let down in putting their knowledge into practice. Health issues, vision, hearing, diabetes, hypertension, and so on can all affect their total reliability while driving, and hence drive up the cost of auto insurance. So, now you know why teens and seniors have to pay more for auto insurance. For teens inparticular, you can be sure that it is going to cost you a bundle. You are definitely going to pay much higher rates for your teen to drive than you do for yourself or your partner. Teen drivers can put a huge dent in your insurance budget. You can, however, try to find rates lower than the highest auto insurance premiums possible, and try to make a difference over the years.

One of the first steps is to get the right help. You can do a little research online, but you should speak to an insurance agent, who specializes in auto insurance for teens or seniors, sooner rather than later. You do not typically have to pay any kind of consultation fee, so you have nothing to lose by asking them. Make sure they get you every possible discount that you are eligible for, including the ones available for claims-free, good grades (teens), or owning more than one policy with the same insurance company. The car that the teen will be driving is, of course, important too. Buy a safe, low profile, and preferably old, vehicle for your teen driver, with airbags and anti-lock brakes. The less ‘cool’ it looks, the cheaper it will probably be to insure. You can also choose to “self insure” the car if it is old and inexpensive, and pay for the damages to your car out of pocket if your teen is in an accident. A teen driver monitoring device is something else to consider. You can get special discounts if one of these is installed in the car your teen drives.

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