Those with adolescents who just passed their driving tests are most likely very interested in purchasing auto insurance for teenagers, even if it is something that they are not entirely excited about doing. There is a lot to consider when a young person is in the market for insurance, given that teens oftentimes have higher rates assigned to them because of the higher risk level which is associated with insuring drivers between the ages of 17 and 24. Given parents’ wishes to have some help when choosing a policy given the amount of choices available, coupled with their desire to minimize the costs of insuring their teen driver(s), it helps for them to have some tips on hand when in the teen car insurance market.

To begin, parents should opt for car insurance policies that have higher deductibles for their teens. There is an inverse relationship between policy premiums and deductibles. Opting for such plans can save families thousands of dollars in the long run. Such policies can be found via going to one stop shop websites and comparing the rates of different insurers after variables such as the teens’ age and driving record are plugged in.

Next, it would be best to purchase a relatively inexpensive car for a teen who is a first time driver. Cars that cost a lot of money which are put on teens’ auto policies often serve as red flags for insurance companies. Overall, it is best to buy a teen a car that is used or economy in nature.

After the above steps are followed, parents need to make sure that their teens’ cars have a lot of safety features installed in them. This serves to somewhat give some reassurance to car insurers, given that adolescents are again in a very risky driving group that is overall more prone to accidents for various reasons than other age groups are. The features will show that teens are taking precautions to protect themselves and others in the efforts to both avoid accidents and minimize damage and injury when they do occur.

Last but not least, teens can enroll in driving courses in order to get reduced rates. These classes will teach all drivers about safety principles. Furthermore, some states also have companies that offer teens who are good students discounts on their car insurance policies.

In conclusion, parents and teens have a lot to think about when in the market to purchase car insurance. It is best to purchase plans that have high deductibles, buy used cars for teens, install safety features on teens’ cars, and have teens enroll in driver safety courses in the effort to secure solid auto policies with competitive rates for teens.

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Category: Finance/Insurance
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