For teenage drivers, the car insurance companies consider that they present more risk due to their age and experience in handling the auto vehicle, and a higher chance exposed to accident and dangerous driving. That's why for teenage drivers, they will find that their premium will be higher and more expensive and it is more difficult to find a cheap car insurance policy for this group of driver.
As we know, age is only one of the many criteria involved in calculating the premium of the car insurance for teenage driver, there are many others factors that can affect the premium rate; things like clean driving record, years with the insurer, car model and many more. Therefore, you can still find ways to get a better quote by doing your own homework.
The following are 3 suggestions for teenage driver’s consideration when buying a car insurance policy:-
- Don’t buy a sports car.
It is always very tempting to get a sports car, but, do consider again because the car insurance for this type of car model will be higher. It would be advisable to get a car that equipped with the latest safety features as it would definitely helps to lower the premium cost. Also, don’t try to modify or alter your car to look for racier as it might affect your car insurance as well. - Keep a clean driving record.
This is an unspoken rule and everybody knew it. Always bear in mind that your driving record will have the most direct impact on the premium of your car insurance policy you going to purchase. So, always make sure that you drive safely and carefully, be alert at all times and most importantly, steer clear of any accident. - Stick with the Same Insurance Company
If you had already bought health or life insurance from an insurance company, check if they also offer car insurance policy. If they did, sticking with them will most probably entitle you to some discount. Or, if your parents’ had a car insurance policy, you may also want to check out if buying from the same insurer will give you any discount.
It is important for teenage driver to understand that in order to get a cheap car insruance, it is their responsibility to drive carefully and safety.
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