If you have a teenager who is rearing to drive out on his own, then make sure you have them covered. The following statistics will tell you why…Vehicular crashes are the number 1 cause of death for minors aged 15-20 years old. Your average 16 year old is more prone to car and motor vehicle accidents as opposed to any other age category. In 2008, 2,739 teen drivers died in car crashes and an estimated 63% of passenger deaths among teenagers were driven by teenage friends. As a parent, I am sure these figures are enough to convince you on how necessary it is to give your child adequate driving instruction, set rules for limited night driving, and secure them with good auto insurance.
When we compare teen car insurance policies to adult insurance, you won’t be surprised to note that they are much more expensive. The reason behind this is simple, as statistics have proven a teen age driver is at a far greater risk of getting into a car accident, thus a higher cost of insurance policy is required.
As these insurance policies are normally steep and can dig deep in your pockets, here are some helpful tips for parents wanting to cut down on the expense while maintaining proper coverage:
Proper Training – Arming your teens with the proper course in defense driving schools could prove to work both ways for you both as a completion certification for this course could potentially give you a discount.
Have the Right Car – In choosing the care for your teens, look into two things: the type of vehicle and safety features of your car as these two can have some effect on the cost of your policy. Some cars that are popular with teens such as sleek sport cars are considered more risky and could escalate the price further, while cars with excellent safety features could give you a discounted rate.
Compare Policy Quotes – Quotations vary from one insurer to another and as with any shopping, get as much options as you can and then weigh which offers the best plan for you.
Educate your children – Guide your children and educate them on proper road etiquette, when your teen has a good record coupled with good grades, you are more likely to get an additional price deduction.
Keep in mind that drivers this young, regardless of their maturity, are more prone to accidents, give them the utmost security you can give and continue to guide them and raise them to become responsible drivers.
