If your teenage son or daughter has recently obtained a driving license you are probably looking for good, cheap young drivers car insurance, get the quotes online NOW!
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Statistically, young drivers are a high risk insurance group being up to 3 times more likely to have an accident than older, more experienced drivers. This often means that their insurance rates more expensive meaning you’ll have the additional worry of paying out $thousands more per year in young drivers car insurance.
How to get your child cheap young drivers car insurance
There are certain things that you can not change, like the fact that your teenage son or daughter has little or no driving experience and how insurance companies categorize young drivers. At the same time there are things you can do that will not only save you a lot of money but will make your child a safer, more responsible driver.
- The car – of course every teenager wants to have his own car rather then going to school with the family saloon. But this is not the safest or most economical option. Adding a young driver to your existing policy will save you money especially if you have several discounts already. Secondly, most teenagers are more likely to drive faster and get into trouble if they are driving their own car, not “mom and dad’s car”. If you absolutely have to buy another car be sensible and go for a small, economical model and one likely to be less attractive to car thieves.
- Driving habits – statistics show that most young drivers’ accidents occur in their first year of driving. This is the time when bad driving habits are easily picked up and may lead to traffic accidents later on in life as well. Without being over protective try to ride with your child often and make sure he or she drives safely and carefully. This will not only help the become a better driver but will keep their driving record clean which in effect will mean cheaper car insurance.
- Mileage – set a limit on the car’s use. The worse thing you can do is give your teenage kid the keys of a car and let him or her just drive around aimlessly all day just for fun. Driving more, and especially at night, will not only increases the risk of accidents but will also increase the insurance premiums too.
- Friends – statistics show that if a young driver is behind the wheel and there is another young person in the car, the risk of an accident increases by 100%. If there are 2 or more young people in the car, the risk increases by 500%. In other words, it is fine to give a friend a ride every now and then, but don’t let your kid become the “designated driver”.
- Good grades – some insurance companies actually offer discounts to good students as they are likely to be more responsible. This is really a win win situation, if you encourage you son or daughter to get better grades they’ll be getting a better start in life AND cheaper car insurance!
Following these simple rules will definitely help you save on car insurance and will make your teenager a better, safer driver.
Find cheap car insurance for young drivers today but comparing quotes online.
