By Jeff X. Sanford
It's so exciting that finally you've got your own driver's license. The next step is, you'll have to buy car insurance before you hit the road. In most states in the U. S., it's illegal to drive a car without proper auto insurance. Unfortunately, as a first-time driver, the advantages are not on your side. You are "biased" by insurance company, being the first time driver and a teenager. The reason behind that is, statistics show that teenagers have higher chances to get involved in a car accident. Bad news is, you will have to be "biased" that way before you can prove that you are a safer driver.
However, there is good news too. You can do something to save on your car insurance even if you are a teenager. Here are some advices for you:
Earn good grades at school. Most insurance companies offer a discount, which could be as high as 20%, for students who maintain a B and better grade average. Studies show that good students with good grades are much safer drivers after they get licenses.
Take driving training course. The teens need to log 50 hours with an experienced driver. But if you can take a formal drivers training course you have a better chance to lower your car insurance premiums. Insurance companies will be more likely to discount your premium on your car insurance, if you can show them that you are very serious about driving on the road and less likely to get into a car accident. Some may offer up to a 10% discount if you take a formal drivers training class licensed in your state.
Get on your parents' policy. It's usually costing less to add a teenager to their parents' policy than insure themselves alone with an insurer. Your parents will inform their insurance agent or company that their teenager is being added to the policy.
Drive a less expensive and safer vehicle. Insurance companies have done lots of research, for example, it shows that people, especially teen drivers, will be more likely to get into a car accident than others if they drive big trucks or SUVs.
They drive much faster so the vehicle is more difficult to stop. Trucks and SUVs are more expensive to repair, too. Crash tests for all different kinds of cars are also taken into consideration. Safer cars have better chance to survive accidents so insurers take less to repair and pay injured passengers. Vehicles that are frequent targets of car thieves are also more likely to get a higher premium. So say, if you want to buy a safe car which ranks well in crash tests, Toyota Camry may cost less than Honda Accord as the latter is an easy target of car thieves.
Always ask for the safety rating on any car or truck you wanted to purchase beforehand. Your homework will pay off, trust me.
Try never get ant tickets and any accidents. You are already biased by insurance companies and now you prove to them that you do have a higher risk to getting into an auto accident. Never do that. Have a good driving habit and always concentrate on driving while you are on the road.
Teens could face cancellation or non-renewal of their policy if they prove to be a high risk.
Shop around and compare the rates. Even for teens, rates can vary by hundreds of dollars among different insurers. Also, if you can afford it, ask for higher deductibles.
I hope this article will help you in finding cheap car insurance for teens. As you have more experiences on the road with a clean record, your car insurance will become cheaper and cheaper and you'll end up even happier.
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