In every teenager’s life the most exciting day is the day they get their license. It is their road to freedom and preparing for adulthood. Although teens think it is all fun and games driving is nothing short of a huge responsibility. Before they can drive they must think of things like finding a reliable car, as well as getting insurance. Getting insurance is confusing for anyone but it is even more so for a teenager.
If you are a teenager, or the parent of a teen who is looking for insurance this is an easy to follow guide to follow when purchasing car insurance for teenagers.
The first thing you should do is look for an insurance company that offers good driver discounts. When you have a new teen driver getting an insurance plan that offers good driving discounts can save you a lot of money. This is especially important for the teen who is working and in charge of paying for their own insurance. Finding an insurance company who offers good driver discounts can get you discounts off your monthly payments, offers you a check for your good driving habits, and more. This is one of the best things for teenage drivers.
Taking an extra driving course is a good idea for teenage drivers. Even though you’ve passed drivers ed when you take another driving course it may impress insurance companies that you are looking to buy your premium from. These courses may get you a low insurance premium, or even knock off a certain amount of dollars from your premium each month. Either way, this course teaches you to be more prepared on the road and will help you find an insurance company that will be impressed with your driving skills and reward you for your maturity and good driving.
Think long-term, well say five years. For an insurance company, providing auto coverage to a teenager with little to no practical driving experience, no track record in being a responsible safe driver is a huge risk. Try to mitigate this. Buy a smaller vehicle with a small engine to keep premiums down and helps avoid temptation of putting the foot down and break the speed limit.
Consider the first few years of driving as a way building a good history. The fewer times you have claimed the more likely insurance companies will look at you as a ‘good’ risk.
Lastly, you should find an insurance company that can work with you when it comes to monthly payments. Being a teenage driver is not cheap. In fact, when you’re under 25 and you’re driving, your premium can cost a couple hundred dollars. Luckily, there is a handful of companies that are willing to work with the teenage driver to help make affordable payments each month so you are covered when you are out on the road.
This can help you build a long-term relationship with your insurance company and down the road allow you to have a low monthly payment for life. It’s a win-win situation for everyone involved.
As a parent you might ask the question of putting them under your own insurance. You can only ask if this will be cheaper overall till their age reduces the premiums somewhat. Of course, you take on some of the risk too in that if there is a claim it will likely raise the coverage for the family as a whole so weigh this up too. The end goal though would be for the teenager to build up their own track record so they can get to lower monthly payments on their own faster.
Being a teenager and a young driver can be a bit frustrating sometimes but it doesn’t have to always be that way. This guide can help make the life of a teenage driver easy and will give you the plans you need to get insurance that works for you. It can also help the parents of a young driver understand what their child needs to do and help them work with their teenager when it comes to finding the right insurance company.
Don’t procrastinate on finding car insurance; it is the most essential thing you need other than a reliable and safe car. Start researching insurance companies today, and remember; a safe and mature driver is a happy driver!
Johnnie writes for the insurance website http://www.WiseInsuranceQuotes.com A site which provides free online insurance quotes to anyone living in America.
Article Source: http://EzineArticles.com/8162721