Many parents shudder at the thought of their teenagers reaching the age where they will be able to become legal drivers. Even the most responsible teenager can be expensive to insure for automobile insurance. Insurance companies almost always charge a much higher auto insurance liability rate for teenage drivers than they do for older adults who have a safe and proven driving record. This is because the teenager has yet to prove himself or herself as a safe and responsible driver. For the first two or three years of having their driver's license, teens may be subject to extremely high insurance rates through their parents' auto insurance policy.
Every household differs in how parents require teenagers to be responsible. Some households have teenagers work part time or full time jobs to help pay their auto insurance premiums. Other parents find it necessary to have their teenagers not work and focus solely on sports and academics and other common extracurricular activities that can promote positive and well-rounded social and academic development in a student.
If the teen pays for the auto insurance or if the parent pays for the auto insurance, the rate still stays the same. If the parents pay for it, this is a bill that can add another expense to yet a potentially already strict budget. There are steps that teens can take to lower their insurance premiums to make insurance more affordable for them and for their parents. Teens who take driver's education courses in high school will be viewed more favorably by insurance companies compared to teens who have not taken the course. Taking a driver's education course demonstrates that the teen not only takes driving seriously, but that he or she has passed a course on safe and responsible driving by a certified driver's education teacher.
The driver's education course is one thing that a teenager can do to lower his or her insurance. When a student volunteers in the community, makes good grades, and has a record of being an upstanding citizen, he or she will stand a good chance of getting reduced rates on auto insurance. Many insurance companies will reward students who make an extra effort to be responsible and upstanding. Insurance companies also see teens that do these things as a lower risk driver than teenagers who do not get good grades and who have no participation in community events.
Getting a teenager a sports car or a high end powerful or luxury vehicle will also dramatically increase the automobile insurance the teen is able to get. Some insurance companies will refuse to insure teenage drivers on high end sports cars out right. Other insurance companies will charge a significant amount of money for a teen to be insured in even a newer automobile. Studies have found that reliable, medium grade quality sedans are the most affordable vehicles for teenage drivers to be insured for. These vehicles are typically safer and have less speed capabilities than other higher end models.
Find the most competitive online insurance quotes at http://www.youronlineinsuranceagent.com
Article Source:http://EzineArticles.com/?expert=Nelson_McWilliams
Did you find this article helpful?00
Get Involved0 commentsSuggest a topicArticle ToolsPrint this articleE-mail to a friendEzinePublisherReport this articleCite this articleStay InformedGet notified by email when new articles are added to this category or written by this author.Subscribe to New Article Alerts: Insurance: Car-Auto
Nelson McWilliams
Car Auto Article FeedFind More ArticlesSearchSimilar ArticlesAffordable Auto Insurance Online - Insurance For Your Valuable CarsShopping For A Good Local Auto Insurance OnlineComparing Rates For Auto Insurance OnlineHow to Buy Cheap Auto Insurance Online and Save A BundleAuto Insurance Online Quote - Save 40% to 50%Why You Need to Check Out Auto Insurance OnlineAuto Insurance Online Website QuotesMillions Buying Auto Insurance OnlineWays to Find Affordable Auto Insurance OnlineAre Online Insurance Quotes What I'll Pay?Recent ArticlesFacts Your Insurance Company Might Not Tell You AboutCan High Risk Drivers Get Affordable Insurance?Car Insurance Tips For The Modern DriverCar Insurance Quotes Come To FruitionHow to Get the Best Car InsuranceAcquiring a Car Insurance Quote Should Be an Informed ProcedureSomething About Automobile Collisions and Car InsuranceWhy You Can't Find Cheap Car InsuranceFactors That Affect Insurance PremiumsCar Insurance: A Guide to CoverageSubmitted On February 28, 2012. Viewed 0 times. Word count: 499.MLA Style Citation:McWilliams, Nelson".".28 Feb. 2012EzineArticles.com.28 Feb. 2012
McWilliams, N. (2012, February 28). . Retrieved February 28, 2012, from http://ezinearticles.com/?Learn-How-Teenagers-Can-Get-Affordable-Automobile-Insurance&id=6909959Chicago Style Citation:
McWilliams, Nelson "." EzineArticles.com. http://ezinearticles.com/?Learn-How-Teenagers-Can-Get-Affordable-Automobile-Insurance&id=6909959
EzineArticles.com© 2012 EzineArticles.comAll Rights Reserved WorldwideAbout UsFAQContact UsMember BenefitsPrivacy PolicyShopSite MapBlogTrainingVideo ArchiveAdvertisingAffiliatesCartoonsAuthorsSubmit ArticlesMembers LoginPremium MembershipExpert AuthorsEndorsementsEditorial GuidelinesTerms of ServicePublishersFollow UsTerms Of ServiceEzines / Email AlertsManage SubscriptionsEzineArticles RSS
View the Original article
No comments:
Post a Comment