Rules For Young Drivers

By Author: Marcus Stalder
Total Articles: 491
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A very big concern for many of American parents today is saving for their teenager's education, and they spend their lives preparing for that. What many parents do not prepare for is another large expense in the life of a teenager, and that is auto insurance. Getting a driver's license is a rite of passage for today's American teenager, but statistically speaking, teenage drivers are the worst in America, and this fact is showing up in high insurance premiums for young drivers. Here we will talk about why insurance is so high for young drivers, and ways that you as a parent can go around that to save as much as possible on insurance.

Statistics show that young drivers have more collisions on the road than any other age demographic. As well, more deaths are experienced on the roads when young drivers are at the wheel. This means more cars are being sacrificed to young drivers, and all of these factors are costing the insurance companies millions. So they pass these costs back onto the insurance premiums of young drivers, because simply put, they are a bigger risk to insure than any other age demographic.

Putting ...
... your young driver as a secondary driver on the family insurance policy will be one way that you can get lower premiums for your young driver. This will always cost you less than if you buy your teen their own vehicle and state them as the primary driver. You can also save on insurance by combining your family auto insurance policy with your home insurance policy if you buy those policies from the same provider. Many insurance companies will offer discounts in bundling if you bundle your various insurance needs with one main insurance company.

As well, insurance companies know that responsible people will behave responsibly in all areas of their life, and this generally leads to responsible insurance coverage as well. So insurance companies will reward young drivers if they have a record that proves they are responsible. For some insurance companies, this means good grades for young drivers, and young drivers might get a good grade discount with some insurance companies. Driver's Education courses provided through most high schools will also lead to a discount with many insurance companies. Even if your teen is a great driver, this course is never a bad idea, and may save you on your insurance.

In addition, you as a parent need to help ensure your teen stays responsible on the road, and this will lead to fewer insurance claims that will cost you the parent down the road. You can do this by putting in standard rules regarding vehicle use, that will limit your teen's time on the road and limit their increased risk of collision. You also want to be sure your teen has access to required hands free headsets for their cell phone, as this step will also keep them safe when they are behind the wheel.

When it comes to car insurance for young drivers, the fact is that it is going to cost you. But the best thing about car insurance premiums is how flexible they are, and how they can change with proven records over time. By teaching your teen responsible driving, taking measures of responsibility yourself as a parent, and shopping around for car insurance quotes, you will be taking the necessary steps to save on your auto insurance for your teen.