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Monday, March 9th, 2009

Cheap Teen Car Insurance — Ways Your Kid Can Assist

You now have a teenager who is asking to start driving. This should have been a clearly joyous moment but for some reasons, it’s filled with mixed feelings. Apart from safety concerns (we all know that teen driver statistics are far from pleasant), there are also money issues. Sure, you’d spend more on gas now. As if that wasn’t tough enough, this teen driver could drive up your rate by as much as 200%. Are there tips that can help you pay a lot less. Good a thing, there are several. Let’s take a look at them…

I will list several things and then dwell more on just one (the last point)…

1. It would help if you made it a family policy that your teen pays part or all of his/her premium. If you do this, you’ll find that your teen will be more like to take any advice from you that will help them drive down their payments (And such usually keep them safer too).

2. You don’t really need collision/comprehensive coverage types on old cars. So, if it won’t break your teen’s heart, let him/her be made the secondary driver on your oldest car.

3. Don’t allow your teen to learn driving from fellow teens. If they’ve done that, let them upgrade their driving skills at a certified defensive driving center. Apart from the fact that this will save you on premium, it will help keep your teen and our roads safer.

4. Good grades help. So let your teen endeavor to get straight A’s but nothing less than B’s. Insurance companies have the belief that kids who maintain good grades are far less prone to recklessness behind wheels.

5. Make sure your teen drives a car that has all the recommended safety gadgets/features.

6. Whenever they can, let your teen use the public transport system. It will cut down mileage and reduce your rates. Furthermore, you’ll also save on gas!

7. Teens grew up with the internet and so are usually very good at finding their way around it. Let this be used productively on lowering your rate…

More often than NOT, your teen will more gladly shop for auto insurance quotes from a wide range of insurers. Don’t they have more time on their hands than you do?

So describe what you’re looking for: The best quote that does NOT leave you compromised in any way. They’d have to get and compare quotes from five or more quotes sites (Could be a pain for you to do but quite easy for the average teen).

Let them shortlist the most affordable quotes. You can go through those short listed and make the final decision. This simple action will save you several hundreds in premium dollars.

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