While getting their first car is every teenager’s dream even before they reach the legal age to get their license, driving a car at a young age is not a risk-free “business”. There are of course all sorts of problems that are going to arise the minute a teenage boy or a teenage girl gets behind the wheel. Most parents are afraid about reckless driving, the risks of having an accident or even about smaller issues such their sons or daughters not being able to change the oil or fix a tire. Other than that, the problem of car insurances is another essential aspect that needs to be looked into.
Once again, a teenager getting behind the wheel means freedom to them and a lot of hassle for insurance companies, because of the risks involved. The higher prices of the premiums for auto insurances for teenagers are of course the direct consequence of these risks. Needless to say that this is not at all good news for parents; not only are their teenage children driving and exposing to accidents and other risks, but they also need to pay more money out of their pockets. Still, there are some ways of getting cheap teen auto insurance, translated into smaller charges.
First of all, you need to make sure that your teenage daughter or son has an impeccable driving record you can show to the insurance company. Make sure they avoid any speeding tickets and other similar traffic violations and you manage to talk to them so that they and be fully aware of all the risks they are dealing with each time they start their engines. All these will translate into a clean driving record, and this will translate into a cheaper premium payment.
Another way of getting cheaper auto insurance for your teen is to look for an insurance company that has a greater deductible, because the premium payments will be lower in this case. Of course owning and driving a safer car is another positive aspect in the eyes of the insurance company that might ease your path towards a cheaper premium.
Getting a stand-alone policy is also a good idea, and this way your teenage child is also going to be more responsible, he will only be allowed to drive in the daylight and he will bear the responsibility for his or her own insurance. Of course, this insurance is going to be cheaper compared to the one you as a parent might have paid.