For most teenagers, turning sixteen means they have reached the time in their life where they can begin driving. However, before your teenager can set sail on their own, they must first acquire auto insurance. But purchasing auto insurance for a teenager can be quite expensive. Therefore, looking for cheap teen auto insurance can help your teenager get on the road a lot quicker. There are a variety of different things you and your teenager can do to get the best price on car insurance for your young driver.
One of the first things that will assure you get cheap auto insurance is to be sure your teenager has a perfect driving record. It is very important that you instill in your teenager the importance of obeying all traffic laws. Your teenager will need to be sure they avoid all traffic violations and speeding tickets. And although they may not be able to avoid every accident they need to do everything they can to stay accident free. Their reward for keeping a clean driving record will be cheap teen auto insurance.
Academics will also play a part in the amount you pay for teen auto insurance. If your son or daughter is looking to drive, they will want to have good grades. Many insurance companies will provide lower rates for students who have better grades.
Another way you can save a considerable amount of money on auto insurance for your teenager is to choose a higher deductible. Generally speaking, the higher your insurance deductible, the lower your premium payment will be.
If you are looking to get the lowest possible auto insurance you may want to consider purchasing a car with as many safety features as possible. The more safety features the car has, the lower the premium is. Safety features such as airbags will greatly help lower the premium. You will also want to avoid purchasing a car that is considered to be a high hazard. Cars in that class will jack up the price of auto insurance very quickly.
If your teenager has any restrictions on their license they need to be carefully followed. For instance, many states have a curfew for young drivers. Therefore, this needs to be closely followed. Other states may limit the number of passengers a young driver may have in their car.
If you are looking for cheap auto insurance you can consider getting your teenager a stand-alone policy. With this type of policy your teenager will solely be responsible for the insurance. However, there are some restrictions for new drivers, such as only being allowed to drive during the day.
As a parent of a teenager driver, it is appropriate to make your young driver responsible for anything that happens to the car. They may want to consider getting a part time job to help cover the cost of the maintenance of the car as well as the auto insurance. You can do everything in your power to get the lowest price on auto insurance. However, your teenager will also need to do their part.