Good statistics and teenage drivers do not go very well as of today. Sixteen year-old drivers are involved in accidents six times more frequent than those who are between 30 and 59. When talking about car insurance, this translates to very high premiums if you belong to the age group. That is just the reality when it comes to car insurance: the higher your risk, the higher you have to shoulder for the premiums.
Although the picture may seem very dim, the good news is that there are still car insurance companies that see the bright light. There are still auto insurance firms ready to give some good discounts for teenagers.
Here are some suggestions on how you can keep those car insurance premiums low:
Help the young driver be familiar with driving laws
The best way to keep the premiums low will be to keep the driving records of teenagers clean. Equip them with the knowledge. Teach them about the road signs and the driving laws of your state or your country. Insist that they follow them.
Be a good example
Do what you want your kids to do on the road. That means no tailgating, no beating the red light, and you following the road signs yourself. Keep a watch of how you behave on the road so you can be a good lead for your teenage drivers.
Place your kids under your insurance policy
You can also put your kids under your car insurance policy as additional driver. Doing this can get you all the discount applied to your car insurance policy and passing them on to your teenage drivers as well.
Encourage your kids to get good grades
Be very supportive in every possible way to help your children get good grades. A higher GPA means lower car insurance premiums. If you have to give them cash rewards then so be it. The effect will be two-fold: great academic preparation and motivating them to always get good grades.
Talk to them about alcohol and drugs
Kids are very knowledgeable about this but their young, adventurous spirits might not yet fully grasp the effects of them when they driver under the influence.
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