Workplace safety violations can cost money and lives By Floyd Arthur Business Insurance New York
How to Get the Most Affordable Car Insurance for Your Teen By Floyd Arthur (PPT)
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Transcript of How to Get the Most Affordable Car Insurance for Your Teen By Floyd Arthur (PPT)
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How to Get the Most Affordable Car Insurance for Your Teen By Floyd Arthur
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Finding affordable car insurance is challenging for anyone, but finding it for a teen
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driver can be a daunting task. Teenagers pose a high risk to insurance companies, so
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they cost more to insure. Depending on factors such as where you live and your family's
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combined driving record, the cost of insuring a car for a teenaged driver can range from
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$1,000 to over $20,000 per year.
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Of course, there are good reasons for these high premiums. Teenagers are involved in
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three times as many accidents per mile driven as those 20 and older, and their accidents
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tend to be more severe. According to the Insurance Institute for Highway Safety Loss
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Data Institute, teenagers are involved in three times as many fatal accidents as those in
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their early 20s. Younger drivers pose the greatest risk: A 16 to 17 year old is twice as
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likely to be killed in a car crash as an 18 to 19 year-old.
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Nonetheless, there are some ways to improve your chances of finding affordable car
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insurance for your teen. Here are a few tips from the experts at Carmoon Group:
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Add Your Teen to Your Policy
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In most cases, adding your teenager to your existing policy will yield the most affordable
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car insurance rates. According to a NerdWallet study, covering all cars under a single
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policy saves U.S. families an average of about $3,400 per year. Many insurers also offer
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a multi-car discount, and some extend your family’s earned discounts (such a Good
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Driver discounts) to your teenager as well.
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Shop Around
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Our insurance agents can help guide you towards companies that offer the most
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affordable car insurance rates, but it’s also a good idea to shop around on your own.
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Premiums, discounts and other perks vary considerably. For example, many insurers
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offer Good Student discounts, but the amount of the discount can vary by up to 15
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percent. On an annual premium of $2,000, that’s $300 per year.
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Get Your Teen a Safe Car
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Safer cars equal less risk, so getting your teen a slightly pricier car can buy you more
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affordable car insurance and lower your overall costs. Late model cars have more built-
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in safety features, which may earn you an additional discount as well.
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If you can’t budget for a new car, choose an older model from this list of Good and Best
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Choices for Teens from the Insurance Institute for Highway Safety.
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Set Ground Rules
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Let your teen know that you expect him to earn the most affordable car insurance by
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following certain rules. The ground rules for driving should include:
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* Get good grades
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Teenagers who maintain at least a B average are about 30 percent less likely to get in an
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accident during their first year of driving than those with lower grades.
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* Stay sober
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According to the National Transportation Highway Safety Administration, car crashes
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are the leading cause of death in teenagers, and about one in four of those involve an
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underage drinker. It’s not surprising, then, that a DUI conviction can raise the average
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insurance premium for a teenager by about $2,400 per year.
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* Don’t speed
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A single speeding ticket can increase a teen’s insurance rates by much more than it
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would an adults. According to one estimate, getting caught driving just 15 mph over the
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speed limit can raise a teen’s insurance rates by nearly $700 per year.
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* Attend a certified driving course
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Teens who take a certified driver’s training course are safer drivers. According to a 2015
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study from the University of Nebraska, they are:
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* 40 percent less likely to get a ticket
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* 15 percent less likely to be involved in an accident
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* 20 percent less likely to be involved in an accident that resulted in serious injury or death.
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Some insurers offer discounts to young drivers who have completed a certified training
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or Driver’s Education course.
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* Pay attention to the road
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Distracted driving is a growing menace on U.S. roads. According to the U.S. Centers for
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Disease Control and Prevention, eight Americans are killed and over 1,100 are seriously
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injured every day due to distracted driving. A disproportionate number of those killed are teens.
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Finding affordable car insurance for you and your family doesn’t have to be an
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impossible task. Let our car insurance specialists help you find the best policy for your
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budget and your needs. Call us today at 516-292-3780 to schedule an appointment:
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We’re here every weekday from 9 a.m. to 6 p.m. Or if you prefer, request a free
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consultation online now and we’ll get back to you within one business day.