So your teen is now old enough to drive? This should have been a clearly joyous moment but for some reasons, it's filled with mixed feelings. Mixed feelings because the family budget is about to spiral up. Add gas costs! As if that wasn't tough enough, this teen driver could drive up your rate by as much as 200%. Thankfully, it's NOT like the weather. You can do more than complain. You can take sure steps to pay less. Here are those steps...
I will list several things and then dwell more on just one (the last point)...
1. Let your kid pay at least part of the bill if they must drive. If you do this, you'll find that your teen will be more like to take any advice from you that will help them drive down their payments (And such usually keep them safer too).
2. You don't really need collision/comprehensive coverage types on old cars. So, if it won't break your teen's heart, let him/her be made the secondary driver on your oldest car.
3. Let your kid learn to drive at a driving school and NOT on their own. If that has, unfortunately, already happened, let them go for a class in defensive driving. Beyond the fact that insurers will reward such with lower rates, your kid would be the safer for it.
4. Encourage your teen to take his/her studies seriously. Good grades will drive down their rate. Auto insurers believe students who maintain good grades are less prone to recklessness.
5. Make sure your teen drives a car that has all the recommended safety gadgets/features.
6. Let them use the public mass transit whenever they can. Lower mileage means cheaper rates. This is without counting the precious dollars you'd save on gas.
7. The average teen is very much at home on the internet. Let this work to your mutual benefit...
Your teen will definitely do a more extensive comparison shopping online than you'll do. Don't they have more time on their hands than you do?
So describe what you're looking for: The best quote that does NOT leave you compromised in any way. Let them get and compare quotes up to five reputable sites.
Let them shortlist the most affordable quotes. You can easily check this list to ensure you have the best in price and value. Some folks have saved over $1,000 by doing this right.
I will list several things and then dwell more on just one (the last point)...
1. Let your kid pay at least part of the bill if they must drive. If you do this, you'll find that your teen will be more like to take any advice from you that will help them drive down their payments (And such usually keep them safer too).
2. You don't really need collision/comprehensive coverage types on old cars. So, if it won't break your teen's heart, let him/her be made the secondary driver on your oldest car.
3. Let your kid learn to drive at a driving school and NOT on their own. If that has, unfortunately, already happened, let them go for a class in defensive driving. Beyond the fact that insurers will reward such with lower rates, your kid would be the safer for it.
4. Encourage your teen to take his/her studies seriously. Good grades will drive down their rate. Auto insurers believe students who maintain good grades are less prone to recklessness.
5. Make sure your teen drives a car that has all the recommended safety gadgets/features.
6. Let them use the public mass transit whenever they can. Lower mileage means cheaper rates. This is without counting the precious dollars you'd save on gas.
7. The average teen is very much at home on the internet. Let this work to your mutual benefit...
Your teen will definitely do a more extensive comparison shopping online than you'll do. Don't they have more time on their hands than you do?
So describe what you're looking for: The best quote that does NOT leave you compromised in any way. Let them get and compare quotes up to five reputable sites.
Let them shortlist the most affordable quotes. You can easily check this list to ensure you have the best in price and value. Some folks have saved over $1,000 by doing this right.
About the Author:
To learn more visit Safe Auto Insurance and Cheap California Auto Insurance. Chimezirim Odimba helps people save on insurance.
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