Getting The Best Insurance For Teenage Drivers In San Francisco
Pricing for Teenage Car Insurance can go up and down as high as the hills in San Francisco. Finding the right company can take time and patience. Insurance companies base their pricing on statistics and risk. Statistically teenage drivers tend to get into more accidents and on average display riskier behavior. Drivers between the ages of 16-19 are three times more likely to be in an accident then a driver aged twenty or more.
However, just because you have a teen driver does not mean that your insurance rates have to spike. There are several things that you can do to keep the price down.
Many people start looking at getting a separate teenage car insurance policy in order to keep their insurance rate from going up. In most cases, it is cheaper to add your teen to an existing policy.
There are many things your teen can do to help keep the rates lower too.
However, just because you have a teen driver does not mean that your insurance rates have to spike. There are several things that you can do to keep the price down.
Many people start looking at getting a separate teenage car insurance policy in order to keep their insurance rate from going up. In most cases, it is cheaper to add your teen to an existing policy.
There are many things your teen can do to help keep the rates lower too.
Maintain good grades. Many companies provide discounts to students with a B average or better. Good grades usually mean the student is more responsible and a better risk. If your student is under 25, enrolled in school full time and carrying a grade point average of at least 3.0 then be sure to ask if the discount is available.
Keep a clean driving record. No tickets or accidents. Parents need to set rules concerning cell phones and passengers. Many of the cell phone companies offer ways of monitoring activity. Make sure your teen knows the dangers of texting and driving and all other forms of distracted driving.
Take an approved driver's education course. More places are making this a required course. These courses will help you as a parent drive home lots of information as well as allowing your teen some drive time with a trained professional.
Keep a clean driving record. No tickets or accidents. Parents need to set rules concerning cell phones and passengers. Many of the cell phone companies offer ways of monitoring activity. Make sure your teen knows the dangers of texting and driving and all other forms of distracted driving.
Take an approved driver's education course. More places are making this a required course. These courses will help you as a parent drive home lots of information as well as allowing your teen some drive time with a trained professional.
Another way to insure a better rate is to provide your teen with a safer vehicle. Make sure the vehicle has enhanced safety features like front and side airbags, antilock brakes and traction control. Put them in something with a larger body. Avoid sports cars, trucks and SUVs.
In the state of California, parents are required to accept financial responsibility for their teen driver and are required to carry the minimum insurance allowable and the teen must be able to provide proof of this insurance at all times when operating a motor vehicle.
Driving a motor vehicle is the gateway to adulthood for a teen like the Golden Gate Bridge is the gateway to San Francisco. Being able to insure that your teen is covered just in case is important. But you still need to make sure everything is being done to decrease the risk and the cost of the insurance. Creating a partnership with your teen will allow them to take an active part in this rite of passage.
In the state of California, parents are required to accept financial responsibility for their teen driver and are required to carry the minimum insurance allowable and the teen must be able to provide proof of this insurance at all times when operating a motor vehicle.
Driving a motor vehicle is the gateway to adulthood for a teen like the Golden Gate Bridge is the gateway to San Francisco. Being able to insure that your teen is covered just in case is important. But you still need to make sure everything is being done to decrease the risk and the cost of the insurance. Creating a partnership with your teen will allow them to take an active part in this rite of passage.