Indianapolis, IN, December 02, 2009 --(PR.com
)-- Auto insurance can become an expensive requirement for anyone. Unfortunately, teen drivers are normally charged higher rates than more mature drivers due to their relative lack of experience and statistics that suggest that they are more of a risk behind the wheel.
OnlineAutoInsurance.com is informing consumers that there are, however, some tips that can be taken advantage of in order to obtain affordable rates.
An effective way to reduce the cost of car insurance for teens
is to obtain a discount where applicable. Discounts may be available to youths who are good students or to those who have completed a recognized safe driving course. Completion of a safe driving course has additional benefits aside from lowering the cost of coverage and can also equip a young driver with tools to help keep them safer behind the wheel.
Another option that may reduce premiums is to compare the difference in rates if the teenager were to be added to a parent’s existing policy. In many cases the rates can be much lower for teens compared to the price of obtaining a policy of their own; although it may raise the total cost of a parent’s premium, the difference in price may be less than individual coverage.
The vehicle being insured can also have a huge impact on the rates charged by insurers. It may be wise to purchase a teenage driver an automobile that does not require Comprehensive and Collision coverage which will only drive up rates. A “consumer alert” provided by the National Association of Insurance Commissioners states that, “a modestly priced economy car with liability coverage may be more appropriate for your teen.”
The main key to getting cheaper auto insurance for teenagers is comparison shopping and getting quotes from various companies based on several different options and scenarios. OnlineAutoInsurance.com provides visitors with free quotes from multiple insurers with absolutely no obligation to buy. Consumers can simply visit http://www.onlineautoinsurance.com/teenagers/
for helpful tips and answers to frequently asked questions which may lead to saving on teenage car insurance.