Thursday, September 26, 2013

Teen Auto Insurance - 7 Ways To Lower Their Premium

Teen auto insurance is terribly expensive. However, our kids won't remain babies forever. Therefore, they'd have to make this all important transition into adult live. But won't you like it if you could really pay much less on your teen's auto insurance? Here's how you can...

1. KEEP THEIR MILEAGE DOWN...

Bring down the amount of time your teen spends behind wheels as much as you can. Mileage is a significant indicator used in deciding risk to an insurer. The more they are behind wheels, the higher a risk they are to insurers and, therefore, the higher the rates they get.

2. ENCOURAGE THEM TO GET GOOD GRADES...

Encourage your teen to be serious with their studies (as if you don't already do that) since it results in cheaper teen auto insurance premiums.

3. Cheap Car Insurance -- MAKE SURE THEIR CAR HAS SAFETY FEATURES...

Ensure your teen uses a that is equipped safety gadgets. Cars with such features are rated highly safety-wise. And apart from the fact that insurers give you lower rates for them, your teen is also a lot safer in them.

4. LET THEM USE SMALLER INEXPENSIVE CARS...

Let them use a cheaper car if you truly want cheap teen auto insurance. Don't buy sports cars and other cars that are generally costly to insure. If you're not sure, check on a quotes site. But a general rule is: Big cars, costly cars, sports cars, vehicles with a high incidence of theft cost much more to insure.

5. LET THEM TAKE COURSES IN DEFENSIVE DRIVING...

Encourage your kid to take a course in defensive driving at a center approved by your insurer. In addition to making them a better driver, it will help you get reduced teen auto insurance rates.

6. RAISE THEIR DEDUCTIBLE...

If you agree to pay a high deductible, you'll have a cheaper premium. Nevertheless, take care not to choose deductibles that are more than you can provide with ease. .

7. GET QUOTES...

You will save much if you will shop around (using insurance quotes sites) and do detailed comparison. Visiting a minimum of three quotes sites raise the chances that you would get lower teen auto insurance quotes. The simple reason for this is that you'll receive a greater number of quotes from many more insurers. This gives you a broader basis for doing more extensive comparisons thus increasing your chances of landing the very best auto insurance rate for your teen.

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