Auto Insurance For Teenagers: How to Reduce Premium

2007-03-08 10:33:40

( Insurance )



Auto insurance for teenagers covers damages the car incurs in case of an accident. It has the same purpose as all the auto insurances however, auto insurance for teenagers require a more expensive premium.

Auto insurance for teenagers is probably the most expensive car insurance. This is because teenagers are more likely to get into an accident than adults do. There is a high risk of reckless driving, speeding etc. so car insurance companies just charge a higher premium for teens’ car insurance.

Don’t worry because there are ways to reduce the premium of car insurance for teenagers.

You must have a clean driver’s record. A driving record that shows consistent no violations can help decrease your premiums. A bad driver’s record can even increase your already expensive premiums. The key is to avoid any traffic violation and prove that you are a responsible driver.

You must have a driving education. If you have completed a driving course, there is a possibility that insurance companies can lower your premium. A good driving education produces a good driver.

You must have the right car. You should avoid accessorizing your car. Changing the paint job and other parts of your car will only make your car insurance complicated. This will increase your premium because it will be harder to replace the car parts. Choose a simple, older model so the repair costs are cheaper. This will also make your premium lower.

Your car must have less mileage. If the car mileage is high, it would make your premium more expensive. This is because the car will be more prone to damages and other malfunctions. So insure a car that has a low mileage so you can take advantage of a lower premium.

If you are not driving as often, you can be added to your parents’ car insurance so you won’t have to pay for a high premium.


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