Your teen driver and insurance

Your teen driver and insurance

There are a lot of benefits that auto insurance companies can offer when you invest in them. For a lot of us, we use vehicles to travel places, so we are well aware of how useful they are, as well how dangerous they can be in case of crashes.

It is important for drivers and vehicle owners to be insured to make sure that they feel always safe as they are protected. Obviously, this also applies for young teenage drivers.

Over 10 million teenagers driver America’s streets every day to go to school or hang out with friends. For teens, a driver’s license symbolize a new-found freedom while at the same time, have the opportunity to learn responsibility. Many 16-year old’s head to the DMV as soon as they are old enough to take a driving test. While having the independence to go to their favorite places at their leisure or go to parties and hangouts may be important to teens, it is for sure a major source of worry for the parents.

Therefore, insuring the car that your teen is going to be driving is super important. It ends up not being done with the car in mind but more to keep the young driver safe, in the case that something were to happen.

It is true that teen drivers cost more to insure and this is because car insurers know that teens are less experienced, take more risks and are more likely to be involved in fatal crashes. Nonetheless, there are ways to reduce the cost of auto insurance for teens in some agencies. These are:

Avoid flashy sports cars

Some cars cost more to insure than others, which makes sense, as its very common that newer luxury vehicles and/or imports cost more to fix or replace than older models.

Your teen may desire a sports car or SUV, but avoid these because insurance companies charge much more for some of those models, as they are associated with speeding. On the other hand, insurers consider sedans and others, “safe driving” cars, according to AAA. This difference might save you hundreds and even thousands of dollars in yearly premiums.

Though not all insurance companies assign cars to specific drivers, you will want to double-check to be sure. If so, make sure your teen is assigned as a primary driver to the least-expensive car.

A Used Car Will Lower Your Price Tag

An even better option than before is to buy an older used car for your teen. Driving a car with a solid safety rating will lower the cost of auto insurance, compared with another car that is flashier and faster.

Still, it’s important that is not that old, as new safety features, like airbags, anti-theft devices, and anti-lock braking systems, will help to lower the premiums.

As you consider these facts and decide on an insurer for your teen, always remember that the best way to keep them safe behind the wheel is to talk to them about what a good driver is. Talk candidly with your teens about their driving habits and common car accidents. Researchers have found that teens whose parents have been active in their lives are twice as likely to wear their seat belts. So, it is really rewarding for parents to talk about some tough issues like teen driving in an upfront way.

Every car insurance company works different, so their rates vary. Get quotes from multiple companies to see which one is best for you and your family. This is a very important insurance to have, that will help the parents relax knowing their kid is safe while driving.

In Villa Insurance Group, we have got you covered. We can help you with standard auto insurance, as well as car insurance for your teen child.

We are a local insurance independent agent protecting all aspects of your life, from your business to your autos and home, we have you covered! The benefit of choosing an independent agent like us means options. We have relationships with many top-rated carriers to give you the auto insurance coverage you need that fits your budget.

So, what are you waiting for? Call us today at (425) 771-9000 or visit our Quotes Online to start saving money.

Get a free instant auto insurance quote online today!

Are you looking for auto insurance in Lynnwood, WA? We are a local insurance independent agent protecting all aspects of your life, from your business to your autos and home, we have you covered! The benefit of choosing an independent agent like us means options. We have relationships with many top-rated carriers to give you the auto insurance coverage you need that fits your budget. Don’t wait, call us today at (425) 771-9000 or visit our Quotes Online and start saving money.

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