Student Driver Car Insurance Savings Prevent Auto Insurance Sticker Shock
Young Driver Car Insurance Blues
Many parent with teenagers are pretty responsible drivers, and so they enjoy some of the best insurance rates. However they are shocked when they see the premiums for the young drivers in their household. Many teenage car insurance rates, especially for boys, can triple their parent's car insurance bill! This is especially true if the parents want to add the driver to their fairly new car that has comprehensive insurance coverage with all of the bells and whistles. Of course, the answer might be just to tell that younger driver to get a job, but because school is so competitive these days, the parents many hesitate to have their teenager work long hours just to pay for car insurance.
Car Insurance Discounts For Students
Young driver car insurance rates are expensive, and that is mostly because young drivers do not have a driving record for the car insurance company to base rates on. So they lump the younger drivers in a high risk pool, and those students usually get nailed with high rates. This is especially true for young males, though females will have higher rates too. If you are under twenty-five, you may be lumped in a high risk pool. Insurance companies know that pool is made up of drivers who are more likely to have accidents and make claims.
However, car insurance companies also realize that some young drivers are better than others. Many car insurance companies will offer young driver discounts for a couple of actions they can take. Car insurance companies like good grades, and so a B average or better will earn a discount with many top companies. Also, taking the time to take an accredited driver safety class has been proven to reduce accidents, and they also usually come with a decent discount. Check with your insurance company, or a few insurance companies, until you find out where you can take a class that will shave a few percent off of that premium!
Of course, many insurance companies will also offer a multi-policy discount. So if the same company handles the same family's home insurance, other car insurance, plus the student driver, you may enjoy the best rates out there.
Buy the Student a used Car
However, I do have one more tip if none of this works. If the family car is fairly new, consider the purchase of an older car for the student driver. Only put liability insurance on that car. Even the used car payments, and the liability insurance premiums, are likely to be less than the newer car's full insurance protection. Besides, your family will get an extra car too. Just do not let the student driver use the newer car.
Shop Around For Young Driver Car Insurance
Car insurance companies do have different rates, and even though they all advertise the cheapest rates, we know that cannot be true! You need to compare offers from various companies. This used to take a long time, but now you can find several fast online forms to get quick quotes.
Find Cheaper Young Driver Car Insurance with our fast, save, and free Auto Insurance Online Quote. Our system is Better Business Bureau approved and runs on a secure server.
http://www.247quoteus.com/carinsurance/young-driver-car-insurance.html
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