Young Car Insurance Buyers: A Teen Driver’s Guide to Car Insurance
The next most exciting time in life to becoming a teenager is learning how to drive. What’s not so exciting is learning about and obtaining car insurance.
Some teens might want to look at being included in a parent’s policy. However, unless their record is all ready excellent and they don’t have any “high risk” cars insured, you might not save much, if anything. Luckily, with our SaveOnQuotes.com insurance quote tool, you can check out the costs of buying your own policy and compare it to what you might pay if you were added to a parent’s policy. So let’s see how you can get some cheap insurance quotes.
Bad news first! As a new (read “inexperience”) driver with no driving history, you’re considered a high risk – and that means higher rates. But there are some things you can do to lower those rates.
Car Selection – Picking sports/high performance cars, SUVs, higher priced models (more expensive to repair) and poor safely rating models (more damage…) lead to higher premiums. Look for something safe and maybe a little conservative. You may have to wait a little longer for that fancy sports car you’ve always wanted to drive.
Car Safety Features – Adding or making sure your car has features like airbags, automatic safety belts, anti-lock brakes and so on are a bonus.
Drivers Ed – Yeah, it’s boring, but you’ll get a deduction on your car insurance rates for taking it. You’ll need proof (the diploma or certificate) and it must be an “accredited” course.
Stay in School – and Study! – Auto insurers look kindly on teens with a good school attendance records and grades (3.0 or higher).
Community Involvement – If you’re a regular volunteer or participant in community organizations, make it known. Teens involved this way appear more responsible to insurers.
No Cell Phone – No way you say? Thought we’d mention it just in case…
Your rates will come down over time as you prove to the insurance company that you’re a safe driver. That means no accidents or tickets. To avoid rate increases, follow these safe driving tips:
Keep passengers to a minimum number. Teens tend to look at a car as a party on wheels. When you’re gaining experience, you don’t want unnecessary distractions.
- Don’t speed.
It seems that over 90% of teens admit to speeding. That’s the main reason so many are killed in auto accidents.
- Wear your seatbelt.
Besides keeping you safe in an accident, who wants a ticket for not wearing one on their record?
- Don’t talk/text and drive.
Cell phone usage while driving is becoming a primary cause of accidents. People just aren’t wired to multi-task.
- Don’t drink and drive.
Stay home or select a designated driver; someone who agrees to not drink to safely get you home.