5 Ways for Teenage Drivers to Find Low Insurance Rates

Auto insurance companies generally feel that teen drivers are at higher risk because of their age and lack of driving experience. This increased risk in general, leads to an increase in auto insurance rates for teenagers. In this post, insurance executive Long Island, Gregg S. Marcus, lists 5 ways teen drivers can take to find lower rates on auto insurance.

1. Consider a higher deductible

Raising your deductible from $ 500 to $ 1,000 can save 10-20 percent on your premium. You will have to decide if they can afford to pay out of pocket if your teenager has an accident.

2. Students and course discounts

If you have a B or better GPA, tell your insurance company. Insurers usually offer good student discounts, which typically range between 5-10 percent. Studies have shown a correlation between good students and responsible driving. You should also take a defensive driving course, which will help you gain experience on the road and will offer discounts of up to 15 percent. Many insurance companies also reduce rates of students attending school at least 100 miles from home and do not have a car on campus.

3. Car choices

Of course, you want the new sports car, but insurance rates a safe vehicle and heavy, will be much better used in your portfolio. Will be less likely to be stolen, and probably best rate in crash tests. Your premiums will reflect these lower rates. You might also consider a vehicle that you only need liability insurance. The less coverage you purchase, the less of a risk you are to an insurance company resulting in lower rates.4. Get a quote to be added to the policy of his father.

Added to the policy of family may be the best way to find the lowest rates. Depending on whether there are more high-end vehicles already in politics, make sure the insurance company can be assigned to low-end vehicle that you drive.

5. Safety first!

Ultimately, to establish a good driving record is the best protection against insurance rates skyrocketing. Traffic violations and accidents directly affect your insurance premiums. The longer you avoid accidents or traffic tickets, more will be able to negotiate lower rates.

If you live in Nassau County and Suffolk County on Long Island in New York and you are a teen driver need car insurance, contact Gregg S. Marcus today for a quote. He may be able to save hundreds of dollars on your car insurance policy!

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Teenage drivers pay the most

As a parent, should have kept wondering why these kids are being hit with insurance rates skyrocketing.The reason - insurance is to determine potential risks. To achieve this, insurers use several factors to arrive at these rates. In the case of auto insurance, the driver himself is the key factor. Accidents in parallel with insurance claims and insurance companies do not like much.
Following the criteria, he said, insurers are grouped drivers according to their age, where drivers of 16 years fall naturally as high-risk drivers. Obviously, the main reason is lack of driving experience. Would you trust someone to drive and just got his license a month ago? Guess not. In addition, male teen drivers have the highest incidents of accidents. This could be due to the nature of the distraction and raging hormones that affect their driving habits. I remember the days when we were running a busy highway at 95 miles per hour. No doubt it was pure adrenaline. But looking at today, I realized how stupid I am and one false move could have incapacitated me or other drivers - the worst, killing myself. Being young is being careless, fearless and invincible, I think it's horrible when taken to the road.
For those looking for low insurance premiums cost, this is good news for you. While it is difficult to change their status from high-risk driver, there are some things you can do to scrape a few hundred dollars in their accounts.
The type of vehicle you drive
You can not let your teen drive a sports car, right? It is like a blind man trying to land a plane - obviously waiting for a disaster to happen. Auto insurers know this, and if you insist, premiums could be double or triple. Go to the family 4-door sedan and save hundreds of dollars.
Do some shopping
Shopping is no longer limited to food, and if you want to save on insurance, shopping. You can simply do this by going to comparison websites and request insurance quotes from several different insurers. Find companies that specialize in auto insurance for teenagers. Sometimes there is a need to change to a new company. If you think it's worth, then go for it.
Good grades can lower down Premiums
Rewards are usually given to students with good grades. Students are an average of at least B or higher may qualify for this program. Insurers are held accountable to students and so much care on the road.This alone could reduce by up to 10% off the rate.
The driver education program
There is no good substitute for attending a driving lesson. Insurers offer discounts happy to have attended the classes of the have-nots. Please note that insurance is about risk and if you reduce that risk, lower rates also.
With our current insurance law, teenagers always have to pay higher premiums. All we can hope for is to find the lowest rate possible with the best coverage. Encourage your teen to become a responsible driver.

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