Date post: | 13-Apr-2017 |
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Having a teen on the road for the first time is enough to worry about without having to add AUTO INSURANCE to the list. Parents, here are some TIPS to help your new driver SAVE BIG and keep you focused on more important things… Like parallel parking practice.
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Avoid luxury and sports cars right off the bat. Teens should be modest with their first car purchase. Insurance companies favor teenagers who DRIVE SAFER and have more economical cars.
CHOOSING A FIRST VEHICLE
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GOOD GRADES in school could qualify your teen for insurance DISCOUNTS and special academic rates.
MAKE THE GRADE IN THE CLASSROOM AND ON THE ROAD
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ESTABLISH ROAD RULES
PLACE TEMPORARY restrictions on driving with other passengers and driving at night. PRIORITIZING SAFETY can help keep insurance rates from going up.
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MULTILINE DISCOUNTS
BUNDLING POLICIES—such as home, auto and life insurance products with one insurance company is a great way to SAVE MONEY on the overall cost of insurance.
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SLOW DOWN, STICK AROUND
Nothing can hurt a teen’s DRIVING RECORD like moving violations. Speeding tickets, reckless driving and ignoring stop signs tell insurance companies that the driver is HIGH RISK.
TAKE A DRIVER’S EDUCATION COURSE
Some insurance companies also offer a DISCOUNT for anyone that’s ever taken a driver’s education course. If you take one after the policy is issued, check with your insurance agent to find out what steps to take to GET CREDIT.
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DEDUCTIBLE OPTIONS
Having a HIGHER DEDUCTIBLE on an auto policy, combined with programs such as VANISHING DEDUCTIBLE and ACCIDENT FORGIVENESS, can keep out-of-pocket expenses stable. For example, those who can afford to pay $500 when a claim occurs may want to select this as their deductible amount in order to lower insurance premiums.
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INVESTIGATE A FAMILY PLAN OPTION
Check to see if your insurer provides a family plan that provides discounts earned by the adults in a household to their teen driver(s). Discounts extended to teens as a part of the family plan include multi-car, multi-policy and financial responsibility. These REDUCTIONS can help SAVE up to 25% on auto insurance premiums.
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AUTO-DRAFT INSURANCE PAYMENTS
Having your payments made ELECTRONICALLY, not only helps you avoid late fees, but you may also receive a small DISCOUNT.
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To LEARN MORE and START PLANNING There’s no time like the present. If your teen is approaching the legal driving age, meet with an agent to discuss your options.
MEET WITH AN INSURANCE AGENT
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31% of U.S. drivers ages 18-64 reported that they had read or sent text messages or email messages while driving at least once within the 30 days before they were surveyed. Texting while driving is found to be as DANGEROUS as drunk driving and can have DETRIMENTAL EFFECTS on a new driving record.
KEEP YOUR PHONE AWAY AND ON SILENT
DON’T TEXT AND
DRIVE
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Be careful that the BENEFITS associated with your insurance policy are SUITABLE for your teen’s driving history. Provisions such as courtesy cars, credit card perks, etc. may cause unnecessary additional expenses.
PURCHASE ONLY WHAT’S NEEDED
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DRIVING for the first time can be an overwhelming experience for both parents and teens. Mistakes may happen along the way but having the proper INSURANCE COVERAGE can provide PEACE OF MIND for the many journeys up ahead.
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SOURCES•http://www.wbrinsurance.com/2015/07/teen-drivers-selecting-auto-insurance-and-keeping-them-safe/
•http://www.dmv.org/insurance/how-to-save-money-on-teen-car-insurance.php
•http://www.autoinsurancecenter.com/auto-insurance-tips-for-teens.htm
•http://www.wbrinsurance.com/2015/09/five-rules-to-safer-teen-driving/
•http://www.wbrinsurance.com/2014/11/helpful-tips-for-discussing-texting-and-driving-with-your-teen/
•http://www.wbrinsurance.com/2011/10/cutting-the-cost-of-teen-drivers/
•http://www.dmv.org/insurance/teen-guide-to-car-insurance.php
•http://money.howstuffworks.com/personal-finance/auto-insurance/5-tips-for-buying-car-insurance-for-
teenagers.htm
•http://www.nationwide.com/teen-car-insurance.jsp
•http://www.cdc.gov/motorvehiclesafety/distracted_driving/
•http://www.teensmartdriving.com