By: Jared Blank
Submitted: 2010-04-20 19:51:42 | Word Count: 592
Once your child hits the legal age of driving a car, your concern is going to be how to acquire car insurance for him/her without burning a hole in your pocket. Happily for you, this is feasible. Sticking to the rules set by the insurance company, earning vehicle insurance savings can help save cash.
Statistically, this highest amount of incidents on road is caused by young drivers. Drivers aged 25 and younger are four times more likely to pass away in an catastrophe or vehicle accident as compared to older drivers as observed by the National Highway Traffic Safety Administration.
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The responsibility for educating driving now rests on the shoulders of the mother and father of kids because the budget for car driving programs in high school have been taken off. In a few states, children aged 16 should take a certified car driving course to meet the criteria for vehicle insurance or wait till they turn 18.
There are two benefits of passing these programs. To begin with, they impart good driving behavior to your child and secondly, this will assist you to lower your teen insurance expenses by 15%.
State governments have brought in new laws and regulations that clearly list out the guidelines of safety for teenage drivers and also help in lowering the ever rising statistics of teenagers being involved in accidents.
Graduated drivers’ licensing laws are enforced in some states and can contrast across states. Some items that are included are:
· Completion of compulsory driver education
· Requirements for intermediate license or specific permit for learners
· Minimal driving hours needed under adult supervision
· Added training in case of a speeding ticket or collision
· Temporary abatement of driving privileges in case of an collision
· Limits on Night Driving
· Passenger limit
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Certain vehicle insurance corporations offer parents the privilege of providing their teen their own set of guidelines to abide by in order to qualify for driving. It is shrewd to ensure to limit passengers and put into practice cell phone limitations even if they are not legal requirements since stats show that speaking on the phone while driving has caused a jump in teen accidents. Restricting weekend driving, nighttime driving and imposing a severe curfew will also help your teenager from driving during high risk hours.
In addition to helping with school studies, good grades in school will also aid your teen qualify for discount rates on vehicle insurance premium. You can acquire up to 20% off on the premium if you can illustrate good grades.
The more successful your teen is in keeping clean driving records, the lower will be the costs for his/her insurance. A superior driving record will meet the criteria to lower either the premiums or deductibles each year from a few insurance companies.
The type of your vehicle (model and make) is one of the critical factors in determining the price of insurance premiums.
Opting for a vehicle with improved safety options as compared to the sports or fast car will not only make you feel secure when your teen uses it, but also reduces the premiums significantly. A certified used car will prove to be a better alternative as compared to a brand new one right from the showroom.
Spend some time shopping around and getting free auto insurance quotes from several car insurance companies to get the best coverage at reasonably priced rates.
