Affordable Teen Car Insurance For Good Driver
Reader’s Question:
I’m confident that my teen daughter would be a good driver although she has just started driving on her own. Despite of that, I know that we’ll have a tough time getting cheap car insurance here in Florida for her. Before we buy her a new car, could you give me some advice that can help us find her affordable car insurance that has adequate coverage?
Bhea
Hialeah, FL
The first thing you can do to get affordable car insurance for your teen daughter is to emphasize to her how important for her to maintain a clean driving record. In time, she will be given more affordable car insurance premiums if she doesn’t have accidents, speeding tickets and traffic infractions. Also, you can opt to get higher deductible for her teen car insurance. If she has higher deductible, it means she will have lower premium for her car insurance in Florida.
Since you are buying her a new car, choose a car that has safety features installed in it and do not ever get her a sports car or any car that has higher rating because these types of car have higher car insurance premiums.
If you plan to add your daughter to your own car insurance policy, this may not be the best option to have affordable premiums for her. You can just get a separate car insurance policy for her from an insurance company that focuses in giving teen car insurance. This type of car insurance company lessens their risk for giving car insurance for teens by putting specific driving conditions. They may require your teen daughter to complete a defensive driving course, no driving at night time or several other limitations which let her to have affordable car insurance premiums.
Car Insurance For Young Drivers In Utah
Reader’s Question:
My daughter just got her driving license and I am planning to buy her a car soon. Is car insurance for young drivers relatively expensive than that of an adult because I want her to have insurance coverage also.
Lisa
Salt Lake City, UT
Safety is the number one priority we want for our teens especially when it comes to driving. Young drivers aren’t experienced and when it comes to driving, they are not good at avoiding road risk or drivers who drive recklessly.
In reality, young drivers don’t have a driving history to prove that they are responsible drivers. With that said, car insurance for young drivers tends to go high because of the majority of their peers are liable for greater claims compared to a matured driver. The rate of car insurance for young drivers can sometimes triple compared to an experienced driver, but you can start lessening its cost by doing these simple tips.
1. Prove to your insurance company that you are a responsible driver by earning good grades. Car insurance for young drivers can greatly reduce if they can maintain a good grade.
2. Get your teen a sedan for starters. Don’t’ buy them a fast or high powered cars, it will only result in high insurance cost.
3. Install safety features in your car. You can get discounts if you can prove to your car insurance company that your vehicle is safe to drive, thus reducing the chance of an insurance claim.
4. It is proved by insurers that young drivers who enrolled for a defensive driving course are less likely to get into road accident and they are giving discounts because of this.
What Is The Best Teen Car Insurance?
You hear a lot of talk about getting a safe car to get the best teen car insurance quote, and while we give you the attributes of a safe car along with everything else, no one ever tells you the exact kind of car that can get you the best teen car insurance quote. So, for those who are sick of analyzing, here’s a list of some of the best cars for teens, and why.
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The Honda Civic.
This car is what I would consider the best car for anyone who wants to get a cheap auto insurance quote. For those who are interested in being environmentally aware, the Civic comes as a hybrid. Its cheapest price is around fourteen thousand dollars. It’s dependable, safe, classy, good for gas, and has some of the best teen car insurance rates. With an array of features, it’s also fun for teens to drive.
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Toyota Corolla.
This is a lot like the Civic, being dependable and spacious with some of the best teen car insurance rates. It tend to cost around thirteen thousand dollars, has lots of room inside, and has a very effective stability control option which you should add. If you want something a little bigger, you can get the Camry, which is practically the same in all but size.
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Ford Focus.
Not quite so dependable as the above, the Focus is an enjoyable ride. There are twelve models to choose from, and it prices at around thirteen thousand dollars.
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Scion xA, xB, or xC.
The lowest price for these cars is around twelve thousand dollars. While not the most comfortable, it’s cheap, has one of the best teen car insurance rates out there, and comes with a lot of great safety features like active restraints and air bags.
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Nissan Sentra.
This is cheap, but not very spacious. The lack of space isn’t such a bad thing if you don’t want your teen driving with a lot of people in their car anyway. It’s very similar to the Corolla, although the gas mileage is slightly better.
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Mazda3.
This car has an innovative design, and you can get it as a hatchback or a sedan for around thirteen thousand. While it’s not the fastest, that’s a good thing, and it does have a good amount of space and is reliable.
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Mitsubishi Lancer.
This is the car that teen drivers will love, but might not be the car that you want to buy them. It has a turbo charged model and is considered to be higher performance car in the other models. It will not get you the best teen car insurance price, though it is very cool.
New Teen Driver Safety Tips
If you’re interested in teen driver safety for your son or daughter, then you should avoid buying them an SUV, or allowing them to buy one for themselves with their own money, until they are out of your house. The video above details the inherent danger of sports utility vehicles when they are under the control of teenagers, and the gap between the safety of an SUV and that of a regular car is growing all the time.
Last year, in relation to deaths from car accidents, eleven percent more deaths resulted from crashes involving SUVs than those that didn’t. At the same time, SUV’s have been selling far more vehicles, so we will only see those statistics rise, taking a big toll on teen driver safety.
While many of the newer sports utility vehicle models have roll over protection on them, this doesn’t always work, and when they don’t have it, rolling over is a very dangerous possibility. It is one of the things that makes the SUV most dangerous for the driver and passengers, and when teen driver safety is compromised by both the vehicle and by the fact that teenagers are more likely to take risky actions that would cause a roll over, you have something to worry about.
Another reason that SUVs are dangerous is that they have bumpers that are higher than those of other cars. These bumpers come to the level of the driver and passengers of a smaller car, and are thus more likely to cause injuries and fatalities, instead of doing what their supposed to do, which is hit the body of the car or the other car’s bumper and absorb the impact.
Not only do SUVs compromise teen driver safety, but they come at a heavy price. Most car insurance companies charge more for SUVs than they do for other cars, although if you have safety features installed, you might be able to get a discount.
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