Car Insurance for Teens Teen drivers present some special situations regarding the expense of their car insurance. The following tips will help clarify considerations for teen car insurance. Drivers are accustomed to considering many of the criteria car insurance companies use in determining insurance rates including the vehicle, the driver's driving record and how far the driver will be driving. Car insurance for teens is expensive because teens are new drivers and as a group they are statistically at more risk to have accidents, making the insurance company liable. When you are considering what is necessary for a teen driver, the age of the teen is very important. For most teens under the age of 18 executing a valid contract is not possible. Car insurance coverage is a contract and therefore they will not be able to purchase their own car insurance. If you are the parent of a teen who has a learner's permit you must call your insurance company to find out whether your teen needs to be insured under your policy. Many states do not require separate insurance for teens under the age of 18 who are driving with a learner's permit. There are certain situations where teens are permitted to execute valid contracts. Most notably, in the instance of an emancipated minor the teen will obtain adult privileges such as the right to contract. In this instance the teen will be able to purchase car insurance. If a teen is engaging in risky behavior you cannot use your parental authority to get the teen's license taken away. Once the teen is licensed even if you are paying for car insurance, the most you will be able to do is stop insurance coverage for the teen. This is not wise because if the teen decides to drive the teen will have the legal difficulties of being an uninsured driver. Instead, delay allowing your teen to obtain his driver's license until the teen is 18 and can legally obtain his own insurance. If you have a child who is older whom you still want to carry on your insurance policy, you can usually do this as long as you own the car. It is more difficult to obtain a policy for someone when you don't own the car. If you want to help an older child pay for car insurance for a car that child owns, you can privately provide funds to them and let them pay the bill in their own name. As a person gets older and has more driving experience, his rates normally will drop. In the meantime, parents whose policy covers their teens can use traditional ways to lower insurance costs. Some carriers provide discounts if teens obtain good grades which can help save you a few dollars. Sometimes premiums for teenage drivers can be reduced by having the teen take a defensive driving class. These classes are not available in all areas as a means of reducing insurance rates, nor do all insurance companies reduce rates if you take such a course. Check with your insurance company to find out whether this option is available to you. Part of the driving experience for everyone, including teens, is the process of getting car insurance. Consider using the above tips to get affordable coverage for teen drivers. To learn more about saving money on new driver car insurance, visit Affordable-Auto-Insurance-Quotes.net. Quickly compare student car insurance rates among the nation's top carriers using one fast form. Be sure to pick up your free gifts there too: Simple Car Care Tips, Financing Your Car, and our handy Auto Accident Report Card to keep in your glove box.
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