Finding The Right Car Insurance For Teenage Drivers In Dallas, TX
If you are a teenage driver, there is one simple fact that you are going to have to come to terms with. Teenage car insurance is often the highest price you will see in your entire life. Now for many people they seem to think that this is unfair. Let's take a moment to look at what makes teenage car insurance typically so much higher than any other period of your life.
Teenagers are typically involved in more accidents than any other age group
Teenagers have not reached their peak of maturity yet
Aggressive driving is a trait that most teenagers exhibit
Teenage drivers typically exceed the speed limit more than any other age group
Teenage drivers are in general less experienced behind the wheel
Teenagers have not reached their peak of maturity yet
Aggressive driving is a trait that most teenagers exhibit
Teenage drivers typically exceed the speed limit more than any other age group
Teenage drivers are in general less experienced behind the wheel
These may not be true in the case of all teenage drivers. However, they are mostly true. There have been countless studies that have proven these things, and that is why teenage car insurance is typically so much higher priced.
There are some things that a teenager can do to lower the cost of their insurance as much as possible though.
There are some things that a teenager can do to lower the cost of their insurance as much as possible though.
Maintain good grades - Most if not all car insurance companies offer a good student driving discount. They do this for multiple reasons.
Having good grades shows a certain level of responsibility
Good students typically are not out late (when there is a much higher percentage of accidents)
Participate in a safe driver program - Again most insurance companies will offer teenagers a discount for participating in a program that emphasizes safe driving practices
Do not buy a new car - The insurance rates for a new vehicle are much higher than they are for a used one. This is true even later in life, it makes sense a new car is worth more and as such must carry a larger policy
Use the same insurance as your parents - Insurance companies regularly offer discounts to families that all use the same insurer
Put your vehicle in your parents name - when your car is in your parents name and you are simply a driver the rates will be much less than if the car is in your name and you are the only person on the policy
Keep off the gas - Not to be confused with keep off the grass (which you should also do while driving). Speeding tickets are no fun. Not only do they result in points on your license, they also show the insurance company that you are not driving safely. This will in turn cause them to raise your policy rates.
These are a few tips that a teenager can use to keep their policy cost down. It is important to remember though that teenage car insurance is going to be higher than almost any other age group. Call it paying your dues if you will, but if you want the freedom of driving your own car this is an expense that you are going to have to cover.
Having good grades shows a certain level of responsibility
Good students typically are not out late (when there is a much higher percentage of accidents)
Participate in a safe driver program - Again most insurance companies will offer teenagers a discount for participating in a program that emphasizes safe driving practices
Do not buy a new car - The insurance rates for a new vehicle are much higher than they are for a used one. This is true even later in life, it makes sense a new car is worth more and as such must carry a larger policy
Use the same insurance as your parents - Insurance companies regularly offer discounts to families that all use the same insurer
Put your vehicle in your parents name - when your car is in your parents name and you are simply a driver the rates will be much less than if the car is in your name and you are the only person on the policy
Keep off the gas - Not to be confused with keep off the grass (which you should also do while driving). Speeding tickets are no fun. Not only do they result in points on your license, they also show the insurance company that you are not driving safely. This will in turn cause them to raise your policy rates.
These are a few tips that a teenager can use to keep their policy cost down. It is important to remember though that teenage car insurance is going to be higher than almost any other age group. Call it paying your dues if you will, but if you want the freedom of driving your own car this is an expense that you are going to have to cover.