Purchasing Cheap Auto Insurance For Your Teen Son
By: Elbert Hamilton
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
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
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
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
Elbert Hamilton writes for www.carinsurancesold.info
where you can find out more about car
insurance and other topics.
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