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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