Auto insurance for teen drivers is notoriously expensive. However, there is a good reason. The statistics speak for themselves. According to research, car crashes Kamagra Soft are the foremost cause of teenager deaths, and teen driven car crashes legal viagra are more likely to cause death or injury than others.

The fact is that teens, however hard they may try to drive well, simply do not have as much driving experience as other people. The ease and ability to avoid accidents comes to the safest of drivers through years of experience behind the wheel. Does this automatically make seniors, another high premium category, better Levitra drivers?

Statistics though show this not to be the case. Senior drivers tend to have the best driving knowledge, but they are more frequently let down in putting their knowledge into practice. Reaction times slow down as people get older, which means that seniors are less responsive to what is happening on the road around them, and there are potential health problems too, such as impaired vision and deafness.

So, that is why auto insurance for teens and seniors is more expensive that auto insurance for other age groups. For teens inparticular, you can be sure that it is going to cost you a bundle. You are definitely going to pay much higher rates for your teen to drive than you do for yourself or your partner. However, whilst there is no way of getting a really cheap auto insurance policy for teens, there are steps you can take to keep costs down as much as possible.

One of the first steps is to get the right help. You can do a little research online, but you should speak to an insurance agent, who specializes in auto insurance for teens or seniors, sooner rather than later.

You do not typically have to pay any kind of consultation fee, so you have nothing to lose by asking them. Make sure they get you every possible discount that you are eligible for, including the ones available for claims-free, good grades (teens), or owning more than one policy with the same insurance company.

It is also a good idea to avoid giving your teen a swanky new speedster. Opt for one which is older and of a low profile, and which has safety features, such as anti-lock brakes. These vehicles can be cheaper to insure for teen drivers. If you go for a particularly old and inexpensive car, then ‘self-insuring’ can be an option, whereby you pay the costs of damage to the car yourself in the case of the teen being in an accident.

A teen driver monitoring device is something else to consider. You can definitely make your money back on buying one as you get good discounts for having one installed. The reasons is that it prevents teens from speeding, and speeding is the main cause of accidents. Speeding tickets will increase the insurance rates since speeding teen drivers are more likely to get into an accident. Too many tickets can lose the coverage for you.

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Category: Finances
Keywords: auto insurance, car insurance, motor insurance insurance, finance