Getting Car Insurance for Young Drivers and Teens
How to Get Cheap Car Insurance for Young Drivers.
Getting car insurance for young drivers can be very expensive. Nevertheless, it is a necessary thing to do if you want your young adult to drive. Generally, it is expected that anybody that will seat behind the wheel must possess a valid driver’s license. This is a law and not optional. This makes it an offence if your young adult is caught driving without a valid driver’s license. The law is not to punish you but to protect you, your car and other people.
In order to ensure that everybody complies with car insurance law, each state has its minimum car insurance requirements. This means that you may not need to buy comprehensive car insurance. Once you are able to buy the minimum car insurance, you have fulfilled the law. However, it is important that you understand that minimum car insurance requirements may not be provide adequate coverage for your car. Also, the minimum car insurance requirements differs from state to state. Therefore, you need to find out the minimum car insurance requirements that are applicable in your state.
Read Also: Effects of Lying to Get Cheap Car Insurance Rate
Still, there are certain steps you can take in order to get cheap car insurance for your young drivers. These are discussed below:
- Make your young drivers to your own car insurance policy: Instead of getting a new car insurance for your young drivers, you can add them to your existing car insurance policy. Although you will pay more on your own car insurance premium, this will not be comparable to how much you would have paid as premium for the car insurance for the young drivers. The savings you will make on the premium you would have paid for car insurance for young drivers will be more than the increase on your own car insurance premium. You can still keep your young adults on your own car insurance policy when they are away at school. This will ensure that they are covered if they need to drive while at school or when they come on holidays. You can ask for ”away at school” discount from your car insurer if your young adult attend school which is over one hundreds kilometers away from home. The discount can vary between car insurance companies ranging from 10% to 25%.
- Take advantage of good student discount: If your young adult is 25 and below 25 years and he is a student in a college or university with a good grade, you can request for a good student discount. This can save you between 5% and 25% of the premium.
- Enroll young drivers in safe driving school: If you can enroll you’re your adults in an approved safe driving course, this can qualify him or her a discount on his or her car insurance premium. Safe driving course will equip them on how to drive carefully while on the road. This will reduce their chance of getting involved in an accident thereby reducing the risks to the car insurance company.
- Install safety enhanced equipment: Cars with crash protection features such as seat belts, air bags, adaptive cruise control, collision warning system, anti-lock braking system and head rests can attract some discounts.
Read Also: How to Get Really Cheap Car Insurance Quotes
- Shop around: Even though car insurance for young drivers is somehow expensive, that does not mean you should not shop around. Insurance companies have their own ways of charging their clients. By the time you discuss with three or four insurance companies, you will be able to get different quotes. You can then chose the one that is best for you. Personally, I like shopping around. This has helped me to save costs in many ways.