4 tips to lower car insurance premiums for your teenagers
4 tips to lower car insurance premiums for your teenagers
Traditionally, experienced drivers consider adolescents as dangers vendors when they find themselves behind the wheel. Because of this, they were forced to pay car insurance premiums higher.
However, various statistics published by the Insurance Institute for Highway Safety in 2008 showed that these risks may be at today's false - or at least, outdated.
For example, the number of fatal accidents on roads in the United States involving teens has decreased 19% in 2008 compared to the previous year. In addition, since 1975, this number has been halved. While adolescents represent a higher risk disproportionate to experienced drivers, the data suggest that the disparity between these age groups is to reduce enthusiasm. Despite this, car insurance premiums that adolescents are given continue to remain high. The good news is that there are tricks to lower them and thus make breathing a little more your budget.
# 1 - Make her take driving lessons
Many insurance companies recognize that register and complete such courses should be rewarded by reduced premiums. Why? Because the insurers believe that these courses help young people to be accountable and they therefore reduce their involvement in accidents. However, keep in mind that each insurer is different, and that some courses will perhaps not recognized by an insurance company said. It is therefore important to be well informed before enrolling your child.
# 2 - Add your child on your own policy you have a choice, either you choose to provide with its own insurance or whether you add it to your own policy. In most cases, the second option is more advantageous. Assuming you have a good driving record, the reduction you receive through it will help to offset the increase in your premiums. This way, you will still have to wait to see them grow as insurers will assimilate your teen as a risk.
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# 3 - Be a model
It is important to show him and inculcate good driving habits because they are directly related to its insurance premiums. Help your son or daughter to respect the traffic rules and drive safely. And do not be content just to tell him. Always set an example by yourself driving model ... calm. After all, your attitude will have much more impact on driving habits of your child that words alone. The goal remains to always promote the benefits of a good driving record, source of insurance premiums low.
# 4 - Encourage good grades
Many insurance companies offer a discount to young drivers maintaining good grades in school. Again, each insurer is different and some will require a higher average scores than others. The key is to learn. You can also adopt a creative approach, tell him that if he can maintain good grades, you give him the amount of the reduction in spending money. Not only motivate you to succeed in school, will encourage you also to monitor driving habits.
Last tip: Shop around for the best premiums Take time to compare insurance premiums when your policy renewal approach because insurance premiums vary widely from company to company. The establishment of these differ between insurers. Some consider the age of your child more important than sex and others think that the completion of a course of conduct will prevail over all other criteria.
Shop.
Too many people pay too much for their car insurance by the renewing stupidly, without asking any questions. Comparing premiums online, you may even fall on the insurance policy of your dreams without having to empty your wallet.
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