It is a known fact that teenagers are inexperienced drivers; hence they are more susceptible to reckless driving.
This is the main reason why insurance companies charge higher insurance rates from young drivers.
Apart from getting proper auto-insurance for your teenage children, you must also teach them the importance of safe driving.
Some Key Points To Look Into Before you get an auto insurance done for your teenage child's car, it is important that you go through these key points.
o Attend a driver's safety program with your child.
This would not only help him learn to drive more responsibly but would also teach him about the dangers of reckless driving.
o Make sure that your teenager understands that the premium rates would rise every time a speeding ticket is given or an accident occurs.
o Also, help you child know that the make and the type of car would determine the cost of insurance.
High safety rating vehicles would assure a low premium besides increasing the safety aspect for your teenager.
o Those who have undergone an approved driving course may be granted a discount on the insurance rates.
If you go for this, not only would your teenager learn how to drive well attending a driving school, this way but you will also end up saving on your auto, insurance bill.
o Finally, it is better to shop around for a good bargain before you finalize on auto-insurance for your teenager's car.
Laws Meant For Graduated Drivers Certain laws have been imposed by the government that are designed to control and limit teenage driving.
These are implemented only till the time the driver gains more practice on the roads.
Note that these laws can differ from state to state.
o A teenage driver needs to possess a learner's permit or an intermediate license.
o There are certain restrictions imposed on night time driving.
o Certain amount of adult supervised driving hours is also a requisite.
o In case of an accident, all driving privileges are suspended.
o The number of passengers in the vehicle is not allowed to exceed the permitted limit.
o Besides the requirement of a seat belt, there are very stringent laws for drunk-driving.
Auto insurance policies for teenage drivers are generally priced higher than that for other drivers.
Though, there are ways and means to lower these insurance rates.
Ways In Which Teenage Auto Insurance Rates Can Be Lowered o Instead of taking a new policy, it is better to add a new driver to an already existing policy.
The parents can add their teenager to their auto, insurance policy and save on the premium amount.
o You could also pick a used car rather than purchase a new one.
Pre-owned cars are less expensive to insure than newer models.