Car Insurance Rates For Teenagers
We cannot blame insurance companies for charging high car insurance rates for teenagers. If you still don’t know why their rates are so much higher relatively, this is because it has been proven that young drivers are involved in car wrecks more than other classes of drivers.
Statistics show that most serious crashes happen in the earliest months when teenagers start driving. You can try to minimize car insurance rates for teenagers by having them co-operate with you.
Educate your teenagers on how to drive safely to get reasonable rates of car insurance for teenagers. Give them some guidelines to follow. For example, remind them to fasten their seatbelts when driving and no night-time driving during their initial driving period. Since teenagers are obsessed with the habit of text messaging, they might not stop this habit even when they are driving. This is a very dangerous act, and you must tell them they should not text message their friends while driving.
Next, do not allow them to consume alcohol or drugs before they drive. New drivers, like teenagers, are usually prohibited from driving under the influence of alcohol. If they are caught driving under alcohol influence, their license might be suspended, leaving a black mark on their driving record. Driving under alcohol influence will also increase their chance of a car crash.
You should also constantly remind them not to speed when they drive. Tell them that it is important to follow the speed limits that have been imposed. Speeding is one of the major factors that contribute to fatal crashes among teenagers and other classes of drivers. Show a good example by following the speed limits when you drive yourself. Your teenagers will hold bad driving records if they have numerous speeding tickets and warnings. These tickets and warnings will eventually break your hopes of getting cheap auto insurance rates for teenagers.
Teach your teenagers to drive in difficult situations. It is very dangerous to let them drive under such circumstances when they are not experienced enough. Supervise their driving when they drive under harsh weather and conditions such as heavy rains or slippery roads. Otherwise, ask them to drive only when the conditions are less severe. If you cannot coach them well, enroll them in defensive driving classes, and get professional trainers to train them to drive in these harsh situations. They will be offered cheaper car insurance rates for teenagers when they have better driving capabilities.
Your teenagers will be able to drive safer when they manage to follow the tips above. Their risks would be minimized, allowing insurance companies to offer them reasonable car insurance rates for teenagers.