Purchasing Cheap Auto Insurance For Your Teen Son
Sher Matsen
Your son has just obtained his license and with that a new found sense of freedom. Now you ask how to get cheap auto insurance for my son ? Car insurances can vary dramatically in price so read on to learn how to buy car insurance that is affordable for your teen drivers.
Because teens lack driving experience insurers consider them a high risk to insure and thus the premiums assigned are much higher than an adults insurance rates would be. There are a few things you can do to help reduce the rates you pay for your teen drivers.
First you need to stress to them how important it is for them to keep a clean driving record. That means driving safely – no speeding tickets, no traffic violations, and no accidents. Over a period of time there safe driving will be rewarded with lower premiums.
You can also reduce their rates by purchasing insurance with a higher deductible. The higher the deductible is the lower the premium is.
If you are going to be purchasing a vehicle for your teen choose a vehicle that is built well with extra safety features, and do not choose a vehicle that falls into a sports class or higher risk rating class. Be sure to check the class the vehicle falls into.
The graduated licensing laws have come into effect in most states in the USA and some provinces in Canada. The rules will vary from one location to another but the basic underlying philosophy is to restrict new drivers by limiting what their license will allow them to do.
They may be issued a full auto license such as a class 5 but there is usually a letter designation behind it to indicate they are a new driver. These new drivers have nighttime driving restrictions, vehicle occupant restrictions, and a 0 alcohol tolerance restriction to name just a few. They will also be required to take an additional test after a specific period of time to remove them from the new driver programmer.
But you’re still wondering where to get cheap auto insurance for my son? Teenage drivers can dramatically reduce the cost of insurance by purchasing a stand alone policy from an agency that specializes in providing teen insurance. A stand alone policy means they are not added as an additional driver on your insurance but rather carry their own insurance.
These insurance companies reduce their risk for insuring teens by placing certain concessions on the driving habits of them. They may require driving school, no driving after dark, or various other restrictions which allow them to keep the premiums lower for teen drivers.
The statistics for teen drivers aren’t good. A 16 year old driver is 10 times more likely to get into an accident than an adult between the ages of 30 and 59, so you can see why insurance companies are hesitant to provide good rates.
The best thing you can do for your teenager and his or her insurance rates is to teach responsibility and make them accountable. Make them earn your trust for the use of the car, and make them accountable to pay at least a portion of their insurance premiums. They can do this by working a part time job which also breeds maturity, so it’s a win-win all the way.
You and your teenager are thrilled with the new found freedom for both of you. So now you need to do your homework and research teen insurance rates so you can get them on the road. What are you waiting for?
About The Author
Sher Matsen has been serving customers for over 20 years as a freelance writer and has been offering information and advice to the consumer. To find out how to save on your auto insurance Please visit us at http://www.all-auto-insurance.com/
The latest information and news on Car Insurance:
Jennifer Edmondson column: Be aware of new car insurance law changes - Applet...
Jennifer Edmondson column: Be aware of new car insurance law changes
Appleton Post Crescent
They reduced the amount of insurance coverage an injured person could access. For example, say you were in a serious car accident that was another driver's ...
and more »
Consumer Reports Survey: More Than 28000 Claim Filers Rate 22 Popular Car ......
Consumer Reports Survey: More Than 28000 Claim Filers Rate 22 Popular Car ...
PR Newswire (press release)
7 /PRNewswire-USNewswire/ -- Dealing with a car insurance claim can be a hassle, especially after an accident when consumers really need good customer ...
and more »
Antique Classic Car Insurance Quotes - OfficialWire (press release)
Antique Classic Car Insurance Quotes
OfficialWire (press release)
Nonetheless, with the web, it really is uncomplicated for any person to check antique car insurance online quotes. Most people believe that it's rather ...
and more »
Confused.com Questions if Rising Motor Insurance Costs have Led to an Epidemi...
Confused.com Questions if Rising Motor Insurance Costs have Led to an Epidemic ...
PR Web (press release)
71% of those who lie on their car insurance applications say that they do it to save money, and 12% consider it worth the risk of having to pay out in the ...
and more »
Flint Insurance React to Motor Fleet Insurance Rate Increase Claims - Marketw...
Flint Insurance React to Motor Fleet Insurance Rate Increase Claims
Marketwire (press release)
... for their motor fleet insurance to ensure they are getting the cheapest deal possible, as they have also noticed people doing with car insurance. ...
and more »
auto insurance - Google News
Find Out How Much Extra Auto Insurance Could Cost - Emailwire (press release)...
Find Out How Much Extra Auto Insurance Could Cost
Emailwire (press release) (blog)
Although an auto insurance policy might satisfy state requirements, that doesn't necessarily mean it will adequately cover damages stemming from an accident ...
and more »
Padres snap 10-game skid, beat Dodgers 4-2 - NewsOK.com
Padres snap 10-game skid, beat Dodgers 4-2
NewsOK.com
Compare 5 Auto Insurance Quotes in Minutes and Save up to $500 Today. If you haven't had a DUI you are paying too much for Auto Insurance. ...
and more »
Consumer Reports Survey: More Than 28000 Claim Filers Rate 22 Popular Car ......
Consumer Reports Survey: More Than 28000 Claim Filers Rate 22 Popular Car ...
PR Newswire (press release)
A major cost component in auto insurance is miles driven per year. The average is about 12000. But if you've changed jobs and commute fewer miles, ...
and more »
Jennifer Edmondson column: Be aware of new car insurance law changes - Applet...
Jennifer Edmondson column: Be aware of new car insurance law changes
Appleton Post Crescent
The other driver's auto insurance also had bodily injury limits of $50000, which was paid to you. Under the old law, the most you could collect was a total ...
and more »
Antique Classic Car Insurance Quotes - OfficialWire (press release)
Antique Classic Car Insurance Quotes
OfficialWire (press release)
If perhaps you have a custom or perhaps vintage auto you can actually perhaps benefit from the collectors vehicle insurance cover plan. ...
and more »