Buying cheap insurance for teenagers can actually be very easy. This is possible despite the fact that teenagers form a group of drivers that are most likely to be involved in traffic violations and this is why insuring them will, under normal circumstances, prove to be very costly. Fortunately, there are some simple solutions available to help purchase cheaper insurance for them.
High Grades
A teenager whose grades are B or higher will certainly be eligible for auto insurance discounts, which in turn could be as little as 5 percent or as high as 25 percent. Insurers have studied the relation between grades and a student's driving habits and have found that good performers will drive more responsibly and so will pose a smaller risk as compared to students whose grades are below B.
Driver Education Course
A parent whose teenager has undergone and passed a driver education course – either in high school or via a company – will not find it difficult to purchase cheap insurance for teenagers. Individual insurers generally offer varying amounts of discounts to those teenagers who have been through an educational course, and it is in fact, quite reasonable to hope for 15 percent discount on the insurance policy.
Drive Safe Cars
If parents ensure that their teenagers are provided safe cars to drive, then buying cheap insurance can become very easy. If however, teenagers are allowed to drive a large car, truck, sports car or SUV; these will all contribute to making the insurer worry that the teenager represents a high risk customer and so will charge more to insure them. Cars that are deemed to be safe include those that have safety alarms and airbags and respectable crash safety ratings.
Enroll in Safe Driver Program
Insurance companies also offer safe driver programs. If a teenager takes and passes this course, their insurance premium can be reduced by 5 percent. This is because such programs will have educated and instructed teenagers about the need to drive safely which ensures that there is a smaller chance that the teenager is going to run through a red light or be fined for traffic violations. This in turn means getting better terms and prices from the insurer.
Old Car
Insurers are generally ready to reduce car insurance premiums when they find out that the teenager drives an old car. According to statistics, older vehicles are not as likely to be involved in accidents and these cars are less likely to be driven recklessly. These facts can help in eliminating collisions insurance from an insurance plan and this is also how it is possible to purchase cheap insurance for teenagers.
Compare Rates
Finally, in order to obtain cheap insurance for teenagers, be sure to compare rates being offered by different insurers. There are sure to be insurance companies that have a better deal to offer and as long as such insurers are reliable and enjoy a good reputation, there is no reason not to purchase cheaper insurance for teenagers from them.
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