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Facts About Teen Drivers Car InsuranceBy: Alston J. Balkcom
[ Posted On: 2010-11-04 ] Post a Comment
It is more expensive to buy insurance coverage for young drivers than more mature ones, but there are ways to keep the costs lower than they would otherwise be. Even younger drivers can operate their vehicles in a mature fashion and avoid accidents. They can also avoid driving certain types of vehicles. They can also make sure they qualify for all discounts available to them.
You will pay more for car insurance for a young driver. The ugly truth is that less experienced drivers have more accidents than mature drivers. This costs the carrier more money and this cost is passed on to the carrier's policy holders.
You can reduce the risk factors associated with youthful drivers and lower your costs. This can benefit you in two important ways. You can lower your costs. You can lower the chances that your youthful driver will get into a car accident. This can be much more important than any savings you might experience.
The most important rating factor that is under the control of a young driver is his or her driving record. Avoiding speeding tickets and accidents is crucial if you want to keep costs down. Driving smarter can keep a ridiculous automobile insurance rate from going even higher.
Certain autos can cost more to buy insurance coverage for. High performance automobiles can add to your car insurance cost because they tempt drivers to operate their vehicles faster and more dangerously.
The value of the automobile will only have increase on the cost of insurance if the policy has collision and other than collision coverage. This coverage can pay your body shop if your automobile is in a auto accident. Since this part of your policy pays you and not other parties, it is optional unless your car has a lien on it.
If you own your auto free and clear you can reduce your cost for collision and other than collision. You can purchase a car that costs less to repair. You can raise your deductibles. You can drop the collision and other than collision coverage all together.
Teenage drivers may qualify for two important discounts not typically available to more experienced drivers. The good student rate reduction may save you 10% of the cost of insuring a young driver. A drivers ed lessons rate reduction may save you an additional 10%.
Experienced drivers will typically have a driving record that is a better judge of their driving ability than how good they were as students. However, with a teenage driver the insurance carrier has to make assumptions using other factors besides the driving record since the driving history may not exist.
Youthful drivers can qualify for a good student rate reduction and get a lower cost. Students who get better grades tend to be smarter drivers also. Insurance companies will typically give discounts for teen drivers who have better grades. Maintaining a B average can save you hundreds of dollars each year for several years.
Another discount that younger drivers can qualify for is a drivers ed rate reduction. Taking and passing a certified drivers ed course can result in lower insurance premiums. These savings will typically far exceed the cost of the drivers education course.
A driver's education course can also make a teen driver a safer driver. Safer drivers avoid crashes and driving violations. They also live longer and are less likely to have major injuries.
The cost of car insurance for a youthful driver will always be high. However, there are several strategies that may keep those costs from eating you alive. You can do what you can to avoid tickets and crashes. You can drop or lessen the cost of your collision and other than collision coverage. You can make sure that you get a drivers education rate reduction and good student discount.Article Source: http://www.afroarticles.com/article-dashboard
About The Author: Alston J. Balkcom -- You can get discounted car insurance for young drivers by calling 866-945-2930 or visiting the author, Alston J. Balkcom's website. You will find auto insurance in Massachusetts prices as well as car insurance quotes for other parts of the US. before and after the --> | View Profile & All Articles By: Alston J. Balkcom |
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Unfortunately teens think they know everything about driving and this is the main reason for many accidents.
ReplyDeleteThe number of speeding tickets Toronto increased lately and teens are involved in most of them. They also started a drinking trend because over 40% of impaired drivers are young...
I don't know how they can be educated but someone has to do something about this.
This is a good common sense Blog. Very helpful to one who is just finding the resources about this part. It will certainly help educate me.
ReplyDeleteprofessional indemnity