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You know as well as any other parent of a teenage son or daughter that car insurance for your teen and the vehicle they are driving is a must. Sure adding your teen to your policy is going to increase the rates, but that is the car insurance cost teens end up with because they are inexperienced drivers. - You have to protect your teen due to the carlessness that is natural in teenage children - You also have to keep in mind that there are many more accidents that involve drivers under the age of 20 than above the age of 20. - You should expect your car insurance policy to go up anywhere from 100% to 500% when you add a teenage driver. This does not mean that you should not or cannot allow your teen to drive. Sure it sounds unsafe, but therea re steps you can take to ensure that your teen has a lower insurance rate and is safe. 1. If your teen maintains a "B" average during High School and College they will get a good student discount from most insurance companies and this can save you up to 20% on their policy. 2. If you enroll your teen in driving school or drivers education classes and they receive a certificate from the school, then you will most likely be able to get discount on your insurance. Plus your teen will learn safety when it comes to driving and that is a very important lesson to be learned. 3. Your driving record and your teens driving record being clean and staying clean is a must. This will give you lower premiums each and every year that you both drive safely. 4. Providing your teen with a safe car is a must as well. Make sure it has automatic seat belts, air bags, anti-lock breaks, and is not a sports car. 5. You would sit down and discuss with your teen why their insurance is so much higher than yours and make sure they are aware of all the dangers of driving. 6. You should also teach your teen how to report a claim, what to do during an emergency, and to never claim that an accident was their fault until the police arrive and they determine who was at fault. They are young and do not know so you have to teach them or they could end up getting blamed for an accident that was not their fault at all. Do you want your teen to be safe on the road? How about the insurance premiums, do you want to know how to get the best deal when it comes to Car Insurance Costs Teens incur? Get more answers here: Car Insurance Costs Teens
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