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Getting The Best Value on Teenager Car Insurance

American Government Special Collections Reference Desk

Getting The Best Value on Teenager Car Insurance

Joseph Demasi
October 23, 2009

Joseph Demasi

So you have a teenager in your home that is driving. There is good news and bad news for you. The obvious question you have is what to do about your Teenager's Car Insurance. Here are some common questions and the answers you may be looking for:

Q: Why are the costs of teenager car insurance usually higher than those of adult auto insurance?

A. Those who are still minors (16 year olds) get into accidents six times more than drivers who are between the ages of 30 and 59. This is one of the main causes of the high costs of teenager car insurance.

Q: Am I doomed to pay incredibly high rates for my Teenager Car Insurance?

A: The short answer is no. The good news is not all car insurance companies generalize in this way and expect the same outcome from all young drivers. Insurance carriers will sometimes give you ways to reduce the costs of your teenager car insurance.

Q: Are there major factors that we should be considering?

A: It may seem obvious, but the costs of teenager car insurace is directly tied to the risk. So what you can do on your end as parents is to discuss driving with your teenager.

Q: How do I know I am getting the best rate for my young persons car insurance?

A:. Help your teenager to learn the rules and guide them to do these to the letter. The best way to lower the cost of teenager auto insurance is to encourage them to have a clean driving record. You lead by example. It is very important that you yourself know what the rules actually are so that your teenager can learn from you. Your teenager will also observe you observing them.

Q: Should I put my teenager on my policy?

A: Definitely put your teen on your existing policy. This is a much more preferable way, rather than obtaining a policy just for your teenager. If you put them on your policy as an additional driver, you should make sure that the discounts that have been applied to your policy will be transferred to them.

Q: Do some companies reward good students?

A: Yes. Insurance companies offer cheaper teenage auto insurance if the teenager has a 3.0 GPA. Imagine being able to save over 10% on the premium. Feel free to monitarily reward your teen for their scholastic achievements. That will motivate him or her to excel scholastically.

I hope this has helped you learn about teenager car insurance. Rate quotes are available from the top companies for teenager car insurance in the United States. Put your zip code in the box near the header on the page.

The best defense against paying too much for your teenager's car insurance is to shop around to get the best price.

Joseph Demasi has been aroud the insurance industry for years and knows that the consumers best friend is competition. For more information on Teenager Car Insurance in the US and a free quote visit my site http://www.teenagercarinsurancearizona.com

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