Finding cheap auto insurance can be difficult. So your teenager finally got their driverslicense and you now need to find them good insurance. There is a Pass Plus exam that is offeredright now. The Pass Plus is an intensivedrivers training course that is aimed at teens and new drivers becoming betterdrivers. When a teenager passes thisexam you will automatically receive a 35% discount on your auto insurance. This is a big deal because teenagers are veryexpensive to put on your insurance.
The car your teenager drives will make a big difference towhat your premiums are for them also.You can find the lists on the Internet which cars are the most expensiveto insure and which cars are the cheapest to insure. If the car is not on the highest stolen listthen it will be cheaper to insure for your teen. The theory is that the cheaper the car isthen the cheaper the teen auto insurance will be.
Although you are looking for cheap auto insurance you alsoneed to realize you must have the appropriate coverage for your child. Statistics show that teenagers have moreaccidents than adults because they have less experience driving. This is a proven fact. If your child is in an accident you should besure that your insurance will cover the damages your teen may have done to theother vehicle. You dont want to have aninsurance claim that you cannot afford to pay and your insurance didntcover. Be sure of all of the coverageyou have opted for your child. Dont belooking for only the cheapest because this might put you in a bad position.
If you have a teenage daughter then you are in a little bitof luck. It is proven that girls andwomen get in less accidents then teenage boys and men. Because of this statistic, females arecheaper to insure. However, just becauseof the gender doesnt mean that the insurance will remain at a low rate.
Maintaining a low auto insurance rate for your teenager alsomeans that they are driving without being pulled over for trafficviolations. The first ticket is usuallya freebie and your teenager will be sent to defensive driving school. That is of course if the violation issomething simple like speeding. Yourrates will begin to drop every six months as your child drives without anytickets on their license. If yourteenager begins to get tickets and pulled over then your insurance rates willbegin to increase and you may not be able to afford to insure them.
When you are looking for cheap auto insurance for yourteenager you need to think about many things.Consider the type of car your teenager will be driving and be sure yourteenager is driving responsibly not getting pulled over.
