One of the biggest days in a teen?s life is the day they earn their driver?s license. But with that little piece of plastic comes tremendous responsibility. It is important to make sure that, as a newly licensed driver, you have proper car insurance coverage.
Car insurance for teens is usually very expensive. That's because teens, lacking driving experience, tend to get into many more crashes. They are considered high-risk. That fact should not stop any teen from getting a license, however, because with a little planning teens who drive can almost always find ways to lower their car insurance premiums.
The first step in getting the lowest rates is to get several quotes. These quotes should be obtained from authorized insurance agents or company websites. The various insurance companies define teen risk in very different ways. This means one company may charge just a little more than they charge an older driver, while another company may charge you a whole lot more. There is tremendous competition among insurance companies, so companies that know you are doing comparison shopping tend to offer you the lowest rates. They just might offer you a lower premium. But to get it, you have to ask, and you may have to willing to negotiate. Fortunately, it's easy to do research on the net and shopping for low premiums is a lot easier than it used to be.
If you haven?t done so already, look into taking a basic or defensive driving course. These courses show insurance providers that you are serious about safety behind the wheel, and this makes insurance providers more likely to lower your risk level when assessing your driving record for an insurance premium. Talk to a qualified insurance provider about what courses are available and what courses are eligible for an insurance discount.
Ask your agent if your company offers discounts to good students or students belonging to a club or organization. See if they extend a discount if your parents belong to a club or organization. Inquire about other possible discounts. This is where it's helpful to check on the net before you see your agent.
Another way to get a great discount on your car insurance is bundling. If you parents have home or life coverage, sometimes their insurance providers will bundle all your policies and offer a discount. Sometimes this discount can be really substantial. And check whether the insurance company offers discounts to household that have multiple drivers or own multiple cars. This is another terrific way to lower your car insurance costs.
If you are a newly licensed teen driver or will earn your driver?s license soon, contact a qualified insurance provider. They can answer whatever questions you may have about car insurance, examine your specific situation closely and make insurance recommendations so that you are properly insured and protected behind the wheel. It will take some time, effort and research, but you could end up saving a lot of money on your insurance premiums, which makes the investment worth it.
Car insurance for teens is usually very expensive. That's because teens, lacking driving experience, tend to get into many more crashes. They are considered high-risk. That fact should not stop any teen from getting a license, however, because with a little planning teens who drive can almost always find ways to lower their car insurance premiums.
The first step in getting the lowest rates is to get several quotes. These quotes should be obtained from authorized insurance agents or company websites. The various insurance companies define teen risk in very different ways. This means one company may charge just a little more than they charge an older driver, while another company may charge you a whole lot more. There is tremendous competition among insurance companies, so companies that know you are doing comparison shopping tend to offer you the lowest rates. They just might offer you a lower premium. But to get it, you have to ask, and you may have to willing to negotiate. Fortunately, it's easy to do research on the net and shopping for low premiums is a lot easier than it used to be.
If you haven?t done so already, look into taking a basic or defensive driving course. These courses show insurance providers that you are serious about safety behind the wheel, and this makes insurance providers more likely to lower your risk level when assessing your driving record for an insurance premium. Talk to a qualified insurance provider about what courses are available and what courses are eligible for an insurance discount.
Ask your agent if your company offers discounts to good students or students belonging to a club or organization. See if they extend a discount if your parents belong to a club or organization. Inquire about other possible discounts. This is where it's helpful to check on the net before you see your agent.
Another way to get a great discount on your car insurance is bundling. If you parents have home or life coverage, sometimes their insurance providers will bundle all your policies and offer a discount. Sometimes this discount can be really substantial. And check whether the insurance company offers discounts to household that have multiple drivers or own multiple cars. This is another terrific way to lower your car insurance costs.
If you are a newly licensed teen driver or will earn your driver?s license soon, contact a qualified insurance provider. They can answer whatever questions you may have about car insurance, examine your specific situation closely and make insurance recommendations so that you are properly insured and protected behind the wheel. It will take some time, effort and research, but you could end up saving a lot of money on your insurance premiums, which makes the investment worth it.
About the Author:
Tom Martens is the content syndication coordinator for Carinsurancesa.co.za. South Arica?s leading car insurance portal.
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