Got a teen driver now and you are trying to get Kansas auto insurance quotes? You might be in for a jolt to your budget. There are some that see their auto insurance quote increase 50% - 100& from current levels. That can be a substantial increase. There are answers as to why this happens, but you can also use certain tips to lower the cost of the KS car insurance quote even with a teen driver.
One of the main reasons for the increase in your insurance quote is because the leading cause of death among those aged 15-20 years old are vehicle crashes. Since insurance companies hate risk and paying out for accidents of this type they take steps to counter this. The rates are raised to cover their exposure. While it's smart on their part it can be costly for you. In reality teens are not very good drivers, spend time on cell phones and stupidly text while driving. All of these factor into why they have more accidents?
Two recent studies found two interesting points about teen drivers. Late night or later in the day are the times teens are more likely to have accidents. Teen drivers are now seeing changes to their driving laws in a number of states to counter this issue. Secondly, teens that drive with friends are more likely to have an accident.
So what options are there when you need an auto insurance quote? Actually, there are several steps to lower this quote. The more options that you choose the great chance of an affordable Kansas car insurance quote. The first step is to shop online for competitive OR auto insurance quotes. Online shopping gets several quotes from different companies bidding for your business. You are sure to be able to find one that fits your requirements. It also is a snap to do since you complete a simple form, press submit and you'll get several quotes sent to you to choose.
If your student gets good grades, look into a Good Student discount. With a GPA of B or better many companies will offer you and your teen a discount. For students that meet the criteria, it's worthwhile if you are interested in savings.
A recent option for insurance discounts is adding electronic devices to monitor teen driving on your cars. Several insurance companies have subsidized this project and give you lower auto insurance quotes as well for getting your insurance through them. If you are interested in this, it is worth finding a company that offers this program and discount.
For those that like to go to school, there are online courses that you and your teen can take on driving safety. You can get a discount on your auto insurance quote if both you and your child take the course. We can all benefit from a little extra knowledge on driving safety?
It's never going to be cheap to find an auto insurance quote with a new driving teen, you can definitely find options to lower the expense. By looking online and finding all the possible discounts, you can certainly reduce your costs. Then just hope that your teen has learned something and quickly becomes a safe driver so you can lower your Kansas auto insurance quotes in a year or two!
