Cheap car insurance isn’t that easy while shopping for teenagers. According to the recent stats teenagers are ten times more likely to have a car crash; hence teenage drivers are considered more risky compared to other drivers. There are some simple things you can do to ensure safe driving and bring down the price for of their insurance premiums.
First and foremost, instill importance of safe driving and make them understand that driving is a means of commuting comfortably and one should not mistake driving for joy ride with friends. If you are purchasing a car for your son or daughter, be sure to research the market and select a model which has low insurance premium. The car which is affordable and doesn’t break the bank in maintenance charges! Also remember to buy the car which is safe, and has some types of security devise. If the car doesn’t have any types of safety device, then make an arrangement to fit immobilizer and car security alarm.
Encourage your child to complete an authorized driving educational program. When your child is learning to drive, use a GDL (Graduate driving learning) program, which phases into driving advancement as they gain confidence. Many experts and IIHS agree that children using GDL program can become very affective drivers as they progress through their phase. It is a well recognized most effective learning program. It is important to advise them of an implication of using a cell phone while driving, this is a completely bad habit and teenagers should be discouraged to use cell phone while driving.
If you are one of those families with couple young drivers, and multiple cars in the household can get discount insurance on multiple cars. Your age, scholar students and few other factors can help you to lower your insurance premium. According to the law remember that if your child is still in education, as a parent you can claim your dependents under your policy. If possible you can eliminate extra charges by paying the full payment at the start of the policy. This way, you can cut out the associated cost with monthly payments. Make sure you get the right type of coverage, consider your driving needs, and state liability criteria before choosing a coverage. Teach your whiz kids about the insurance terminology and how to handle a claim just in case if they need to call insurance company while you are away! May never happen but better to be safe than sorry later.
Lastly, do search for the cheap car insurance deal available in the market. Also be proactive in asking for any discounts which may apply to you. There are many insurance companies offering good deals for good drivers so make the most of those “available opportunities” and start searching today by entering your zip code to save money. This is quick, simple and free, try it now!
