Getting Affordable Student Car Insurance For Teenagers

by STEVEN LOHRENZ

Picture it... Your son or daughter has just received his or her drivers license and you are now faced with the task of locating low car insurance to cover him/her bodily and protect you both financially.

Car insurance estimates can vary dramatically. Car insurance for teenagers, unfortunately, is among the most costly and without some help and guidance you'll end up paying through the nose to keep your teen on the road. You'll want to keep reading for hints on how to find low cost car insurance for teenagers.

We're going to face facts up front. Teenagers haven't had the required driving experience to be considered anything but a high risk by insurance companies. There are a couple of things that you can do to help reduce any car insurance qoutes you receive.

In this day and age, knowledge is power. And it's the duty of parents to pass on our knowledge to our offspring.

Driver Safety The most important thing you as a parent need to emphasize to your newly licensed young adult is a high regard for safety. Lack of safety awareness is the main cause of many unnecessary accidents and deaths around the world every single year.

If you don't have the time or cannot teach them well, then send them to a professional driving school where they will be able to learn from trained professionals. Most secondary schools in the US offer their students a drivers ed class.

Clean Driving Record The driving record of your teen will have the most direct impact on your car insurance price. If your child reports no traffic violations or accidents, then the amount of the premium will decrease over time. Making your teen pay for all or part of the insurance premium will make them accountable for their own actions on the road.

Type of Vehicle The type of vehicle your teen drives is influential on the car insurance price too. The price difference between family car insurance, collector car insurance and sports care insurance is vast. Statistics show that red vehicles are more prone to be involved in auto accidents than any other color of car. In the industry, 2 door cars are considered to be sports cars. Premiums on sports car insurance are higher than any other category of car. If your teens specified vehicle is a red 2 door car, then it is going to be very difficult to find low cost car insurance. Try to get them a sensible car to start out with.

Safety Features Cars with a high safety rating and a multitude of safety features will help you obtain lower cost car liability insurance. Volvos and Saabs are considered by many to be the safest vehicles on the road. The investment upfront in one of these cars will pay off over the months in lower premiums.

Deductables You will find that you can lower your car insurance price by opting for a larger deductable. With most insurance companies, the higher the deductable, the lower the monthly car insurance price. It also means that it will take a larger bill to get the insurance company to help you cover the costs of an accident. Make sure you aren't shooting yourself in the foot by getting too high of a deductable.

Discounts When searching for cheap auto insurance and receiving car insurance qoutes from a car insurance broker, ask what kind of discounts are available for things like: clean driving records, multiple car policies, defensive driving courses and drivers education credits. The competition in the discount auto insurance industry is very competitive and some car insurance brokers and companies are more willing to give larger discounts to attract your business.

Buy Car Insurance Online The easiest way to whittle away higher quotes and zero in on a company who offers low cost car insurance for teenagers is to get quotes from more than one company and compare their car insurance qoutes. You can either visit each company's website directly, visit a car insurance broker or search on a website that specializes in auto insurance comparisons. Esurance.com and Insurance.com are two of the leading sites for auto insurance comparisons.

If you follow this simple advice, you will find that finding low cost car insurance for teenagers isn't all that hard. So you can watch your wallet and know your child is adequately covered for peace of mind.

For more information on low cost car insurance, visit Dr. Car Insurance where you'll find this and much more, including info on auto insurance comparisons.