Teen auto insurance: Under-25 drivers get higher rates than any other age group. Even in this age bracket, a 23-year old driver will pay much less than a 17 year old all other things being equal. This means that you'll help keep your rates down if you do NOT have a teen driver on your policy. You'll be made to pay very high rates if you do otherwise. You can discuss with your agent about signing an exclusion form so that your teen driver can have his/her own auto policy.
If a teen is keen on driving then he/she should be made responsible for at least the cost of their auto insurance. An additional argument in favor of this is that your teen will be more willing to take measures to reduce what he or she pays. Your teen will also be safer as the steps that will bring down his/her rates will make her a more responsible behind wheels. Here are things that will help your teen pay a lot less. . .
1. Insurers have special driving programs that are meant to improve your driving. You must have heard of defensive driving. Take lessons in defensive driving. More than making you a better driver, it will help you get more affordable teen auto insurance.
2. Ensure you get a car that is equipped safety features. Cars with such features are rated highly safety-wise. Doing these will help you get lower rates.
3. Take advantage of the public transport system whenever possible. Mileage is an important indicator used in calculating your risk to an insurance company. The higher your mileage, the higher your rates will be.
4. Use an inexpensive car. There are cars that cost a lot to insure. You can easily get a comparable car that is inexpensive to insure. A costly car will typically be more expensive to insure. If you prefer a sports can then you must be prepared to pay the astronomical rates that come with it.
5. Get and compare quotes from at least five quotes sites. There are insurers who are specialized in giving teen drivers auto insurance. It shows in the very quotes they give. This is particularly important for young drivers because this could easily result in savings of thousands of dollars.
Here are great pages for auto insurance quotes. .
InsureMe Auto Insurance Quotes
Auto Insurance Quotes
Chimezirim Odimba writes on insurance