If your teen's on the verge of getting his or her driver's license, you're probably taking a deep breath before checking on insurance coverage. You realize that insurance companies consider teens to be "high-risk" drivers because teens are new to driving, often careless, and also feel they are invincible at times - no matter how fast they're driving. Let's explore how an online auto insurance comparison can help you choose the proper coverage for your teenage driver.
Check for Teenage Car Insurance Online with Discounts
Many insurance companies offer discounts for teens; however, these do come with stipulations. Some will offer discounts for getting good grades in school. For instance, the car insurance premium may be lower if your teen maintains a 3.0 grade point average or higher. Another discount may be available for driver's education courses, which are offered as an elective in most public schools. There are also state-certified courses for students who are unable to take it in school. Insurance companies feel that a teen that has had professional training will be less of an insurance risk.
Teens may also receive car insurance discounts by getting involved in community-oriented organizations such as the Boy or Girl Scouts. You can do an online auto insurance comparison to see which companies offer teen discounts and the prices of each policy. You might find better discounts through auto insurance online than in your local area. It won't do any harm to compare policies and prices.
Forget about a Sports Car
Sports cars and teens don't mix... on the road or when it comes to auto insurance. Teens tend to drive faster when they own a sports car. Insurance companies realize this, so they will raise the premium dramatically on a sports car. If your teen desperately wants a sports car, explain the high costs and the reasons why sports cars are not safe for teens. They might not understand now, but they will later.
Safety First, then Better Insurance Rates
Buy a safe car for your teen with all the latest safety features including front- and side-impact air bags, anti-lock brakes, automatic seat belts, and traction control. The safer the car is, the lower their insurance premium will be. Also, you'll have peace of mind knowing your teen has extra protection while driving.
Add Your Teen to Your Policy
Instead of buying a new car insurance policy for your teen, you might find it cheaper to add them to your policy. You can do this if you own the vehicle they are driving. They will be considered an additional driver, not the primary driver. This may allow them to take advantage of any discounts on your policy as well.
Encourage Safe, Sensible Driving
Teach your teenager that the best way to reduce their car insurance premium is to keep a clean driving record free of speeding tickets, traffic violations, and accidents if possible. Teens will see their insurance premium lowered dramatically every few years by simply driving safe and sensibly.
Car insurance online may offer the best route for teen insurance. You can easily do an online auto insurance comparison to see what policies are offered by a variety of top insurance companies. Then you'll be able to purchase auto insurance online for your teen that will be best for you financially and offer the protection they need as a new driver.
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Chris Robertson is a published author of Majon
International. All Rights Reserved. Copyright 2009 (Mon Feb 18 2008)
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