The most dreaded day for most parents is finally here. Your little darlings is now of legal driving age and is doing exactly what all kids his age do to their parents: He or she annoys the hell out of you to let them drive.
There are three steps parents can take to significantly impact their child’s success as a driver and ultimately the auto insurance for young drivers that you might need to pay as a parent:
1) Expose your teen driver to as many more hours of driving as you can with a permit under your supervision than the law requires them to have, under every type of condition possible.
2) Do not okay your teen’s licensing until he or she is responsible in all areas of his or her life. How responsible the young driver is outside a car is pretty indicative of how he or she will drive.
3) After your teenage driver does get licensed, set limits on his or her driving in that first year. For example, when he’s driving, change his curfew from 11pm to 10pm, set the rule that he can’t have more than one passenger in the car, tell him he can’t drive on the freeway, and so on.
Keep in mind that a new teen driver in the family will usually double your auto insurance rates on the car she most often drives if she is an occasional operator and triples the rates if she is a principal operator. One way to reduce your insurance premium is to keep her as an occasional-use driver as long as you can. This strategy could save 30 percent off her principal driver rates. (To reap the greatest benefit of this practice, make sure you always have fewer cars than you have licensed drivers in the household.)
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