When your teenager achieves the permissible age of driving an automobile, your fear is going to be how to acquire car insurance for him/her without making you broke. Happily for you, this is possible. Adhering to the suggestions set by the insurance company, earning vehicle insurance savings can help save cash.
Statistically, this highest amount of mishaps on road is caused by teenage drivers. Drivers aged 25 and below are four times more prone to expire in an accident or car collision as compared to older drivers as observed by the National Highway Traffic Safety Administration.
The responsibility for educating driving now stays on the shoulders of the parents of kids because the budget for driving programs in high school have been taken off. In a few states, children aged 16 should undergo a specialized driving course to meet the criteria for auto insurance or wait till they turn 18.
There are two benefits of undertaking these programs. To begin with, they pass on good driving behavior to your child and secondly, this will assist you to lower your teenage insurance expenses by 15%.
State governments have brought in new laws that clearly list out the rules of safety for teenage drivers and also help in lowering the ever increasing statistics of young drivers being involved in incidents.
Graduated drivers’ licensing laws are enforced in certain states and can contrast across states. Some questions that are incorporated are:
· Completing of obligatory driver ed
· Requirements for intermediate license or specific permit for learners
· Minimal car driving hours needed under adult supervision
· Extra schooling in case of a speeding ticket or collision
· Temporary abatement of driving privileges in case of an accident
· Limits on Night Driving
· Passenger limit
·
Some auto insurance firms offer parents the privilege of providing their teen their own set of laws to abide by in order to qualify for driving. It is shrewd to make sure to limit passengers and put into practice cell phone restrictions even if they are not legal requirements since stats show that speaking on the phone while driving has caused a jump in teen accidents. Restricting weekend driving, night driving and imposing a severe curfew will also safeguard your teenager from driving during high risk hours.
In addition to helping with school studies, good grades in school will also assist your teenager qualify for reductions on car insurance premium. You can dig up up to 20% off on the premium if you can show good grades.
The more successful your teenager is in keeping clean driving records, the lower will be the costs for his/her insurance. A fine driving record will meet the criteria to lower either the premiums or deductibles each year from a few insurance providers.
The type of your auto (model and make) is one of the significant elements in determining the cost of insurance premiums.
Opting for a car with better safety selections as compared to the sports or fast car will not only make you feel out of harm's way when your teen uses it, but also reduces the premiums significantly. A certified second-hand vehicle will prove to be a superior alternative as compared to a brand new one right from the showroom.
Spend some time looking around and receiving free vehicle insurance quotes from multiple vehicle insurance corporations to get the best coverage at affordable rates.
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