Teenage auto insurance is very expensive to procure and sustain. There are a number of reasons for this situation. And it is important that we understand these reasons in order to take steps to avoid paying a ransom for your auto insurance policy.
Teenagers are known to be rash drivers. It is statistically shown that more than half of the accidents in this country are caused due to teenage drivers. So it’s not just an assumption, but a very hard fact that younger drivers are not responsible enough. So why is this?
Young drivers do not have sufficient experience. They have just started driving and hence are under a lot of pressure to prove themselves. They also need to learn the rules and regulations, all this takes time. so what can you do to help them out?
Try getting your kid registered in a defensive driving class. This will not only improve his or her driving skills, it will also make the insurance company understand that you are serious about safe driving.
A defensive driving class is one where the student is taught how to avoid getting into situations which could lead to accidents. It helps a person to predict what might happen if a certain action is taken. And in response to that prediction, one can follow a different course of action. It is important to learn to predict the outcome of certain actions on the road. And that is just what a defensive driving class can teach you. And the fact that your kid has enrolled in such a class will help the insurance company understand that both the child and its parents are serious about safe driving.
Another way to ensure that the insurance companies understand that your child is serious about safe driving is to show that the child is a high achiever. A show of good grades is an easy way to show that one is responsible and serious about safe driving. This is obvious because this shows that psychologically your kid is more focused and determined. If your child is academically hardworking, it means that he or she is determined to do well in school and becomes successful. This will obviously show even on the road.
Make sure you teach your child by example. If you are a bad driver, you can never expect your child to be any better. try not to verbally abuse other road users while driving, acts of road rage will only scar your child and make him or her an errant driver. Keep your senses under control and show your kids how to drive by example.
And try to add your child onto your insurance policy. This way you will get a better deal than buying a separate policy for the kid. Since you will be under a group insurance policy, you can definitely expect better deals and benefits.
Your auto insurance rates will also depend on the type of car that you buy for your child. A costly and high performance vehicle will obviously be more expensive to insure and maintain. Try getting a lesser known and safe car as a first car for your child. You don’t have to buy a costly sports car to show your love for your son. Teaching him how to drive safe will be something that he will treasure for a much longer time.