It’s inevitable isn’t it? Your auto-insurance premiums are likely to skyrocket when your teenage son or daughter starts driving. But a few key moves can help you cut costs significantly. The first move you should make is to compare teen car insurance quotes, best place to do so…visit InsWeb.com.
1. Stick to a Classic Ride
*Used cars are cheaper to insure than new ones.
2. Safe over Sporty
*Think of it this way…what good is a sexy car if you can’t afford to put gas in it?
*There are plenty of cars that combine coolness and safety. Check out this site for suggestions.
3. Get Assigned to a Specific Car
*Doesn’t hurt to ask your agent which car in the family should you be assigned to drive to reduce the rate.
4. Take a Driving Course
*Most insurance companies offer discounts to teens who take (and pass) an approved driver’s ed course.
5. Get Good Grades
*Getting a B-average (3.0 GPA) or higher will score you cheaper teen car insurance rates.
6. Keep It In the Family
*In most cases it is cheaper to add the teen to a policy rather than have one on their own.
7. Go for a Higher Deductible
*Tell your parents to double check their deductibles and figure out if there is room in the budget to raise it.
8. Don’t be a Statistic
*According to the experts, 16-yr olds are three times as likely to wind up in a crash than a 19-yr old – and almost 6-times higher than 20-24 year olds.
9. Shop Around
*Again, check out InsWeb.com.
10. 6-Month Rule
*Every 6-months, check-in with your insurance company and update your policy information to make sure you are getting the best teen car insurance rates. Keeping a clean driving record can sometimes garner lower premiums as well.
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