With car crashes becoming the number one killer of teen drivers in America it’s clear why the only thing that gives parents more agita than buying their teen driver a car these days is getting insurance for it. But following these easy tips should save parents time and heartburn.
- Bling vs. boring – Research what cars are most economical to insure. It may not be the flashy hotrod your teen was expecting but that boring Honda Civic could save you hundreds of dollars a year in premiums versus the latest gas-guzzling SUVs on the road.
- Automatic seat belts save lives and $$$ – Certain safety features such as automatic seat belts and side-impact air bags also merit discounts so check with your insurance carrier for discounts before choosing and an auto for your teen driver.
- Road rules – Talk to your teen about safe driving habits such as not texting while driving or keeping the number of passengers in the car to a minimum both of which were cited as causes by the Center for Disease Control (CDC) in making car accidents the number one killer of teen drivers in America.
- Keep it clean – Traffic accidents and traffic tickets will cause premiums to rise sharply while Driving Under the Influence (DUI) violations will cause premiums to increase by thousands of dollars or may cause a drop in coverage. Additionally, those violations will follow drivers long after their teens causing high premiums for a long time.
- Don’t be shy … ASK! – Insurance companies often offer discounts for teens that carry GPAs of at least 3.0 or higher or are full-time college students; teens involved in the Girls Scouts or Eagle Scouts may also qualify for insurance discounts. So don’t be shy to ask if your insurance company offers these discounts when searching for quo
These tips are just several ways to ensure your teen driver stays safe and keeps premiums low for parents. But parents shouldn’t discount the effect their own driving habits have on their teens. Surveys have shown that teen drivers emulate their parent’s driving habits so think twice about driving without a seatbelt or speeding to keep your premiums low and ensure your teens become good drivers.