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Car Insurance For Teenagers - the Factor That Affects the Rates!

Published Saturday, October 11, 2008 by bloggerblognet83460 | E-mail this post

The rates of car insurance for teenagers are determined by many factors. Expensive rates do not mean that we got the teens the best policy. Therefore, we should always know the factors that determine the rates of their insurance to get the best for them in every ways, which includes the price and protection. The most common factors are driving record, results in school and type of cars driven.

A teenager who has just started driving has very few experiences in driving and it is good for them to get extra driver training courses to enhance their driving skills. These courses can guide the teens and provide them with the basic ethics of driving. Having taken these courses will help teenagers' driving record to look better. New drivers like teenagers will also be imposed with stricter regulations such as 0 alcohol tolerance level while driving. Teenagers should always these regulations besides abide by common traffic rules to avoid any offenses to be awarded with cheaper quotes.

Most insurance companies usually give cheaper car insurance for teenagers who perform well in their school. Therefore, we should first search for these companies and take up plans which offer attractive discounts for students who achieve the minimum requirement for the discounts. For examples, there are special insurance plans for students who are able to get at least A's and B's only in their examinations. We should encourage the teens to work harder in their studies or enroll them in intensive classes. These classes are great for students who are weak in studies besides helping them to reduce their premiums as high as twenty five percent.

The type of cars driven by teenagers also plays a vital role in determining the rates of car insurance for teenagers. Teenagers should not drive cars with very high risks of involving in accidents. Expensive cars are no-no as well because they are very prone of being stolen. These types of cars need high costs of repairing and therefore, higher rates to insure. Insurance companies are more comfortable with the fact that teenagers drive well older and heavier cars which are well-maintained. Teenagers find it harder to drive recklessly with these kind of cars and therefore, less susceptible to accidents. Older cars also have lower value which encourages the dropping of collision and comprehensive coverage. This will help reduce the costs of the insurance cover.
Car insurance for teenagers is an expense that is inevitable when our teens started driving. Hence, it is vital that we know the factors that will influence highly the rates of their car insurance.

You can get more tips and ways to save your money from spending too much on car insurance for teenagers. Please visit my website if you need help in getting the best money-saving tips. It is a site to equip you with loads of knowledge on low cost car insurance! Go to the website and start saving money on car insurance for teens now!

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