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Thursday, January 27, 2011

Teenage Car Insurance - Why it is Important to Buy Teen Auto Insurance | Car Insurance

By Ricky Lim

The policies for adding teenage car insurance can put a hole in your wallet. However, it is very important nowadays. It protects your teen and your car, just in case he or she has an accident.
If you are a family person, the safety of your children is always a priority. At least, with teenage car insurance, the cost of paying for an accident after it has happened will not be as costly as having no teen car insurance at all. The secret to it is to get the affordable coverage that you can. You can do this by comparing quotes and getting the deal that best works for you, your budget, and your lifestyle.
We advise you to save money on teenage car insurance. A number of car insurance companies regard drivers who are under the age of 25 as drivers who are more likely to encounter vehicle-related accidents. There is a high percentage of death and accidents involving vehicular situations with teenagers.
This often leads to a higher teenager auto insurance cost. But think of how much you would save. Let's say your teenager has an accident and you didn't have teens car insurance. You would have to pay for the hospital fees and the damage fees from your own pocket, without any assistance from the insurance company.
But don't let this be the reason for you to get those car keys from your teenager. You can actually save money and get the teenage car insurance for him or her. And when you do, you have to remind your teenager the following guidelines.
1. Maintain a clean driving record. He or she should remember that one DWI conviction is enough to increase the insurance. What is normally a couple of hundreds of dollars could amount to thousands of dollars for three years.
2. Insurance companies provide discounts on teenage auto insurance to those who go to school full time and have a 3.0 grade point average. Insurance agents provide discounts to those who are accredited to take driver safety courses and other programs that have been qualified by the state.
3. Be an active member in the community. By joining a particular community or civic organization like Girl Scouts or Eagle Scouts, your teenage can already get discounts. Least risky teens are those who help better the community.
4. Get a safe car. Teenager auto insurance may cost you 50 percent less if your teenager is driving a safer car like a Volvo or a Honda Civic. Newer model cars that come with airbags are also less expensive because there are the safest for any teenager to drive.
Expensive cars, SUVs, high performance cars, and sports cars put teenagers at a greater risk so these are more expensive.
5. Add safety features like automatic seat belts, traction control, side impact air bags and anti-lock brakes in order to reduce the accident rate of your teenager.
Discover where to buy cheap teenage car insurance online. Learn more about cheap auto insurance for teens.

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