Teen Auto Insurance

Is it possible to find cheap teen auto insurance? Of course! Arm yourself with the right tools and knowledge, and every job seems easy. While some insurers have high rates for teenage drivers, others are a lot more competitive. Fill our simple online form and you will get quotes from top rated nation and local insurance providers. Thousands of Americans are already saving up to $450 on car insurance for young drivers.

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Why is auto insurance for teenagers often expensive?

Let’s face it, most teenagers are not the most responsible drivers in the world. Insurance companies use statistics in order to predict risk. Unfortunately, young drivers in America are top of the list. Teenagers cause more accident than anyone else. 16-years old are especially at risk. They are 3 times more likely to die in a car accident than anyone else.

I have even heard stories about young drivers, whose annual insurance premiums are higher than the value of the vehicle they drive.

Better driver means cheaper insurance

Wouldn’t you want your teenager to become a good driver, be safe on the road and pay less on auto insurance? The good news is that it is possible to achieve all that without much effort. Once your kid develops better driving habits, you will be able to sleep better and have a bigger bank account.

The first 6 months are crucial. It really doesn’t take long for bad habits to settle in. That’s way it is of paramount importance to supervise new drivers as much as possible. Yes, it is not cool to drive around with your mum and dad sitting next to you, but without being melodramatic – it is a question of life and death.

Teenage drivers are easily distracted. Hardly a breaking news, of course, but staying focused is one of the main points here. Texting, tweeting and updating Facebook have caused more accidents than teen motorist like to admit. In the first months of driving even using a hands-free device is not a good idea. Its far better to learn that its best to pull over and then talk.

Most states have a low which forbids teenagers to have more than one young passenger in the car. There is a good reason for that. The chances of your teenager causing an accident increase dramatically if there are other people in the car, who are the same age. It is so easy, especially for boys, to be influenced by the irresponsible suggestions of their friends. Preventing your kid from becoming the ‘designated driver’ is very important.

Driving at night is also extremely dangerous when you are an inexperienced driver. It will be a wise decision to accompany your teenager on the first few night rides. And until he or she is a confident driver, driving at night in poor weather should really be out of the question.

Independent or combined auto insurance policy

As you know, auto insurance is very personal and many factors are taken into account when insurance rates are calculated. Often, it is cheaper to add your teenager as an additional driver on an existing policy. That doesn’t mean that you shouldn’t get quotes for an independent policy. The more options you explore, the better your position will be to make the right choice.

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