Reasonable Car Insurance For Teenagers

Are you a parent of a teenager? Are car insurance rates causing you stress? Then relax, as there are numerous ways to solve this problem. Once sixteen, adolescents are generally obsessed with cars and driving them. Average car rate insurance for teenagers is generally high and the premiums are also on the higher side.

Make of the car Insurance companies are against young children owning expensive car models and hence their average car insurance rate is very high for teenage drivers who own expensive cars as compared to those who own the lesser expensive models. The insurance company’s motive is that heavier cars are less risky as it’s difficult to drive heavier cars recklessly. With an older car, the insurer might consider dropping the clash and comprehensive coverage and thus carries only liability. One of the points of consideration while deciding on a car insurance cost for teenagers is the cost of the car. When the car is least expensive then the premiums you pay are also low.

Driving history

Insurance companies gives special discounts to drivers who hold a clean driving history. Make sure that your children are well versed with good driving skills. Avoid claiming for minor damages such as a scratch or a bend ask them not to break any traffic rules, as either of these issues can lead to higher premiums.

If your teenager is taking his initial driving lessons then first send him to a good driving school so that his basics are well polished. If a teenager graduates from a well acclaimed driving school, this may lower the car insurance cost for teenagers.

School Grades

Teenagers who get good grades like B or more in their school are eligible for discounts and new drivers with good grades can get up to twenty-five percent discount.

Owning a policy

If you include your teenage child’s name in your insurance policy, the premium cost may sometimes double, but in the long run if the teenager turns out to be a careful driver then the rates may decrease.

Average car insurance for teenagers can be costly and it can drain your pocket. By selecting a good insurance company you can minimize the premium.

Many teenagers prefer doing after school jobs so that they can lend a helping hand to their parents. This action teaches them responsibility and also prepares them towards paying their own car premiums once they grow up.

Getting car insurance for teenagers has never been easy but with the information on this article and with the help of www.autoinsuranceonlinequotenow.com you can now get a no obligation quote in a matter of 10 minutes. So good luck and all the best in your insurance hunt.

By James Tam
Published: 9/28/2007