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auto insurance, insurance

Teenager’s and Auto Insurance

One of the most stressful moments in any parent of a teenager’s life comes around the time they turn sixteen and are able to get their drivers license. Not only do they have to worry about the financial burden of purchasing a vehicle for their young driver, but also the safety of their child.

Another major, yet essential hassle both the parents and teenager have to face is finding auto insurance. Unlike regular auto insurance policies, those designed for teenagers tend to be more expensive.

This comes from a variety of reasons including the most obvious statistic – that teenage drivers aren’t necessarily the best out there. In fact, according to the Insurance Institute for Highway Safety (IIHS), 16-year-olds get into accidents almost 6 times more often than drivers between the ages of 30 and 59. This being said, car insurance premiums are much higher for this age group because the higher the risk one is, the higher the cost of their auto insurance premium.

However, there are definitely things a teenager can do to keep their auto insurance premiums low by attending safety programs or classes to learn safe driving habits.

For starters, teach your teen the traffic laws and make sure that they follow them. The easiest way to keep your car insurance the lowest possible is by have a clean driving record.

Also for parents, make sure to set a good example for your young drivers. If you exceed the speed limit, tailgate, administer road rage, and then you are just showing your teenagers that this is the proper way to drive. Make sure to practice your safest driving tactics when you are teaching your teen to drive.

It is also a smart idea to put your teen under your policy, rather than getting an individual policy for them. By putting them on your auto insurance policy as an additional driver, they could be treated as an occasional driver and therefore have a lower premium.

You may want to set limits as to when, where, how, and with whom your teen is allowed to drive. Some parents set limits on the number of passengers allowed in the car at any given time, after all loud noises such as music, cell phones, and multi-person conversations can create serious distractions.

Speaking of cell phones, you should enforce a no cell phone zone in your teen’s vehicle. Talking and texting while driving is one of the most dangerous distractions for any driver on the road and could have very serious results.

Other rules you may want to enforce in order to keep your teen as safe as possible on the road include: limiting your teen’s driving distances, consider not allowing your teen to drive during high-risk accident times such as weekends, and establish a curfew.

If you are a resident of Arizona or California and have questions regarding auto insurance or are looking to get a policy for your teenager please visit ASJ Insurance & Financial Services Inc.’s website today www.asjinsurance.com  or give them a call at (602) 212-1048 or toll free (877) 275-2201.

ASJ Insurance & Financial Services Inc. represents many reputable insurance companies like The Hartford, MetLife Auto & Home, Progressive, Infinity, Travelers and many other companies and they could do all the shopping and comparisons and get you the best policy.

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