Your Auto Insurance And Your Teenager

The data about teenage drivers are not very good. The Insurance Institute for Highway Safety (IIHS) state that people whose age is 16 are involved in traffic accidents nearly six times more often than drivers whose ages are between the ages of 30 and 59. This is the reason that car insurance premiums are much higher for this age group.

The good news is that some auto insurance companies do not take the same negative view of young drivers as stated by the IIHS. Some of these auto insurance companies offer discounts that to assist in helping you cut costs. A point to remember: high risk = higher insurance premiums. Use this measuring principle as you look around for insurance.

Here are some recommendations to assist you in keeping your insurance premiums lower and hopefully your teenager's driver's license free from violations:

· Assist your teenager in learning the traffic laws and how to correctly follow them. The first and easiest way to keep your insurance premiums at their lowest is for your teen to keep his/her driving record clear from traffic violations. You as their parent should know and understand what the traffic laws for your state are and help your kids to follow them.

· Be a good example. Ask yourself these questions: Do you speed or drive in a reckless manner? Do you find yourself yelling at other motorists while you are driving? If your answer is yes to these questions it will be difficult to expect any different from your teens. Make it habit while behind the wheel to demonstrate how to drive with patience and how to observe and follow the traffic laws of your state. A point to remember: your actions speak louder than your words.

Add your teen driver on your policy. Instead of having a single policy on your teen driver, add them to your policy as an additional driver. This will pass on any discount that is currently on your policy to them.
Register them in a driver education course. There are discounts available for teen drivers who take certain driving classes. Before you do this call your insurance company to find the best courses to enroll in, this will save you from paying big bucks for a course that may not be acceptable.
Boycott the sports. Sometimes parents may try to live vicariously through their teenager by buying them the hot/fast sports car that they couldn't get in when they were the same age. Focus on getting your teen driver a clean, reliable and safe vehicle in doing so you will get lower premiums. This tactic will also diminish the temptation for your teen to drive fast.
Get them to pitch in. Explain to your teen driver that auto insurance costs money and how it is in the family's budget. Provide them the opportunity to assist in chores to help cut the costs associated with their car insurance. If nothing else this tactic may allow them to feel you are treating them like an adult.
Communicate the dangers of drinking and driving. This in itself is a tough topic to discuss especially to a teenager who already feels like they have everything figured out and under control. Just take some time and explain to them how this issue is of great importance to their and others safety.
Use traffic school to if needed. If your teen driver does get a ticket on his/her license, encourage them to attend traffic school to keep the violation and points against their license removed.
Take a ride with them. Your teenager may have been a safe driver last year when they obtained their license however don't assume that bad driving habits have not slipped in since then. So jump in the care with them and take a ride to the store, the movies, etc. This will give you a great opportunity to observe their driving habits in a non-confrontational way. If you see them breaking some good driving habits then point it out in a diplomatic way. More importantly praise them for the good driving even more.




credit: http://www.articlesbase.com/cars-articles/your-auto-insurance-and-your-teenager-5974436.html


Frigidaire FRA065AT7 6000-BTU Mini Compact Window Air Conditioner for sale and low price
Honeywell 50250-S 99.97% Pure HEPA Round Air Purifier for sale and low price
Shark Navigator Professional Lift-Away Vacuum Cleaner - Model NV356E for sale and low price
Margaritaville DM0500 Bahamas 36-Ounce Frozen-Concoction Maker for sale and low price
Hoover Platinum Lightweight Upright Vacuum with Canister
iRobot 564 Pet Series for sale and low price
InSinkErator Evolution Compact 3/4 HP Household Food Waste Disposer for sale and low price
Omega J8004 Nutrition Center Commercial Masticating Juicer
Danby DAR195BL 1.8 cu.ft. All Refrigerator - Black for sale and low price
Cuisinart DLC-2009CHB Prep 9 9-Cup Food Processor
Panasonic SD-YD250 Automatic Bread Maker for sale and low price
Margaritaville DM1000 Frozen Concoction Maker for sale and low price
Instant Pot® IP-LUX60 6-in-1 Programmable Pressure Cooker
Arctic King MWK-05CMN1-BI7 5
Hoover MaxExtract All-Terrain Carpet Cleaner
Neato XV-11 All Floor Robotic Vacuum System for sale and low price
Omega VRT350 Heavy Duty Dual-Stage Vertical Single Auger Low Speed Juicer for sale and low price
Vitamix 1782 TurboBlend
Blendtec TB-621-20 Total Blender FourSide
iRobot Roomba 770 Vacuum Cleaning Robot for sale and low price
SoleusAir Energy Star 70 Pint Dehumidifier
Shark Navigator Upright Bagless Vacuum Cleaner
Whirlpool Whispure Air Purifier
KitchenAid KSM150PSOB Artisan Series 5-Quart Mixer
Zojirushi NS-ZCC10 5-1/2-Cup (Uncooked) Neuro Fuzzy Rice Cooker and Warmer
KitchenAid KV25GOXMC Professional 5 Plus 5-Quart Stand Mixer
Miele Olympus S2120 Canister Vacuum Cleaner with FiberteQ SBD350-3 Rug and Floor Tool for sale and low price
Omega J8005 Nutrition Center Single-Gear Commercial Masticating Juicer
EL1030A Ergorapido Ion Bagless Cordless Stick and Hand Vac for sale and low price
Excalibur 3900 Deluxe Series 9 Tray Food Dehydrator - Black for sale and low price
Frigidaire FRA064VU1 6
Vitamix 1732 TurboBlend VS Blender for sale and low price
Hoover FloorMate SpinScrub Wet/Dry Vacuum
Dyson DC35 Animal Digital Slim Cordless Vacuum Cleaner with Pet Hair Tool for sale and low price
Breville BOV650XL Compact 4-Slice Smart Oven with Element IQ for sale and low price
iRobot 530 Roomba Vacuuming Robot
Secura 6-in-1 Electric Pressure Cooker 6qt
Hoover TwinTank Disinfecting Steam Mop - WH20200 for sale and low price
Zojirushi BB-CEC20 Home Bakery Supreme 2-Pound-Loaf Breadmaker
iRobot Roomba 780 Vacuum Cleaning Robot for sale and low price
Shark Lift-Around Pod Vacuum - Model NP319 for sale and low price
Frigidaire FAD301NUD 30-Pint Dehumidifier for sale and low price
Dyson DC41 Animal Bagless Vacuum Cleaner for sale and low price
Sunpentown SD-65E Energy Star 65-Pint Dehumidifier for sale and low price
LG Kompressor Canister PetCare Plus Vacuum Cleaner for sale and low price
Panasonic FV-11VQ5 WhisperCeiling 110 CFM Ceiling Mounted Fan
DeLonghi DD45P 45-Pint Energy Star Dehumidifier with Patented Pump for sale and low price
BISSELL Big Green Deep Cleaning Machine Professional Grade Carpet Cleaner
Dyson DC33 Multi-Floor Upright Bagless Vacuum Cleaner for sale and low price
Cuisinart TOB-155 Toaster Oven
Mint Plus Automatic Floor Cleaner with Charging Cradle - Model 5200C for sale and low price
Cuisinart DFP-14BCN 14-Cup Food Processor
Danby Premiere DDR70A1GP 70 pint dehumidifier - Euro Grey for sale and low price
Haier HNSE045VS Refrigerator/Freezer
Eureka Boss Smart-Vac Upright HEPA Vacuum Cleaner
Frigidaire FRA053PU1 5
Winix WAC9500 Ultimate Pet True HEPA Air Cleaner with PlasmaWave Technology for sale and low price
Cuisinart TOB-195 Exact Heat Toaster Oven Broiler
Hoover SteamVac Pet Complete Carpet Cleaner with Clean Surge - F5918900 for sale and low price
Omega J8003 Nutrition Center Single-Gear Commercial Masticating Juicer
InSinkErator Evolution Excel 1.0 HP Household Food Waste Disposer for sale and low price
Panasonic NN-SD372S 0.8 Cubic Feet 950-Watt Inverter Microwave
Neato XV-21 Pet & Allergy Automatic Vacuum Cleaner for sale and low price
Winix PlasmaWave 5300 Air Cleaner Model for sale and low price
Evolution Robotics Mint Automatic Hard Floor Cleaner
NewAir AI100SS Portable Ice Maker for sale and low price
BUNN ST Velocity Brew 10-Cup Thermal Carafe Home Coffee Brewer for sale and low price
Vitamix 1709 CIA Professional Series
Hoover C1404 Elite Lightweight Commercial Upright Vacuum with 35-Foot Power Cord for sale and low price
Danby Premiere DDR30E 30 Pint Dehumidifier - Euro Grey for sale and low price
Whynter 14
Nutri Bullet NBR-12 12-Piece Hi-Speed Blender/Mixer System for sale and low price
NewAir AI100R Portable Ice Maker In Red With 28 Pound Ice Cube Capacity for sale and low price
SPT 12000 BTU Window Air Conditioner Energy Star WA-1211S for sale and low price
Bonavita BV1800TH 8-Cup Coffee Maker with Thermal Carafe
Haier HNSE032 3.2-Cubic Foot Refrigerator/Freezer
Nespresso C60-US-BL-NE Pixie
Panasonic NN-H965WF
Margaritaville DM2000 Premium Frozen Concoction Maker for sale and low price
Foodsaver V3880 Fully Automatic Vacuum Sealing System(Keeps Food Fresh up to 5x Longer & Prevent Freezer Burn) for sale and low price
Dyson DC35 Digitial Slim Multi floor cordless vacuum cleaner for sale and low price
T-fal FZ7000001 ActiFry Low-Fat Healthy Dishwasher Safe Multi-Cooker
Cuisinart FP-12DC Elite Collection 12-Cup Food Processor
Dyson DC40 Multi floor upright vacuum cleaner for sale and low price
MR-100 Primo Steam Cleaning System With Lifetime Warranty for sale and low price
Dyson DC25 Ball All-Floors Upright Vacuum Cleaner for sale and low price
Oreck XL2100 8 lb. Upright Commercial Vacuum Cleaner for sale and low price
Dyson DC39 Animal canister vacuum cleaner for sale and low price
Whynter 12
Vitamix 1723 Professional Series 200
HAAN SI-70 Multi Multiple Purpose Floor Steamer for sale and low price
Zojirushi CV-DSC40 VE Hybrid Water Boiler and Warmer
Hoover MaxExtract 60 PressurePro Carpet Deep Cleaner
Panasonic MC-CG902 Canister Vacuum Cleaner
Breville Barista Express BES860XL Machine with Grinder for sale and low price
Vornado CR1-0089-16 Heavy Duty 293 Shop Fan for sale and low price
Breville BBL605XL Hemisphere Control Blender for sale and low price
Hoover Air Purifier with TiO2 Technology - WH10600 for sale and low price
Nespresso Citiz D120-Us-Si-Ne1 Silver Chrome with Milk for sale and low price