Breath a sigh of relief about allowing your teen to drive by getting him covered with proper insurance.
If you have a teen driver living in your home and using your car, then you need to insure him or her. However, you’ll quickly find that car insurance tends to be much more expensive when insuring teen drivers.
The reasoning behind this is simple: teen drivers have less driving experience than anyone else, and therefore are riskier to insure. Teen drivers are also considered to be some of the most dangerous drivers on the road. This may seem like a myth...but it is actually a fact, as a higher rate of teen drivers rack up tickets or get into car accidents than the average driver.
The best way to buy car insurance for your teen driver is by including him or her in your existing car insurance policy. While this will still be costly, it will be more affordable than purchasing a separate policy. There are also a few ways that you can lower the premium on the car insurance of a teen driver.
Many car insurance companies will offer discounts to teen drivers that maintain at least a B average in school. The thought process being that teen drivers that are responsible in school will be responsible on the road as well, and therefore less of a risk to insure. Teen drivers can also take additional driving classes in order to receive a discount on their premium. Be sure to check with your insurance company for all possible discounts on insuring teen drivers.
For more information about insuring your teen driver, contact us online at CCW Insurance today.
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