According to statistics, teenagers are some of the most high risk drivers on the road. In fact, 16-year-old drivers have the highest accident rate of any driver in any age bracket. And the fact is, just after getting their drivers license most teenagers pressure their parents to let them borrow the car.
Usually parents will let them borrow the old car and start looking for new auto insurance quotes. However, because the state has so many drivers, insurance rates are high and no one can guarantee complete safety. It is important to to look into ensuring your child’s vehicle immediately.
As you may be well aware, having your teenager insured can be very expensive. It is very smart to ensure all drivers in your entire family. That way, in case there is ever an accident you are covered. Be advised, if you try to add your teenager to your own policy, your premium may be increased by up to 50%.
Because of their lack of driving experience, teenagers tend to get in more car accidents than anyone else. For this reason it is advised you opt for a full collision coverage insurance policy rather than liability only. Usually, auto insurance policies for teenagers is not cheap, but there are a few helpful tips to help decrease the cost of these policies while at the same time making sure your teenager is safe while driving.
A great tip for reducing insurance costs, is to look for insurance providers that offer discounts for specific features of the vehicle. For example, some insurance companies offer discounts for cars that have antilock brakes or air bags. Not only do these reduce the cost of your premium, but they also increase the safety for your teenager.
If you teenager is a student, be sure to stay on top of them about keeping their grades up, as many insurance providers offer discounts for students with better than average grade point averages. As a side note, also stay on top of them about driving very carefully. Any traffic tickets will definitely cause your premium to drastically rise.
Another important tip is to be sure to pay the auto insurance bill promptly. Because, if you ever forget to pay it and your teenager is pulled over by the police, your vehicle will be impounded as it will show an out of active policy. This can be very costly mistake as the penalty for an uninsured driver will usually cost around $500.
As a parent, do the right thing. If your son or daughter has just received a vehicle to drive, be sure you immediately contact an insurance company to get them covered. Ensuring that the vehicle and your teenager are covered will protect them from any unforeseeable accidents that may occur on the road.
Learn more about locating a San Diego DUI lawyer. Stop by Terry Hanson’s site where you can find out all about San Diego DUI information and what you need to do.
Tags: advice, auto, Auto Insurance, automobile, automobile insurance, Car Insurance, Insurance, vehicle
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