Getting a car is a rite of passage looked forward to by most teens, but it can also be dangerous. According to the NHTSA, summer is one of the most dangerous times for younger drivers–and insurers are fully aware of that risk. Adding a teen to an insurance policy can increase monthly premiums by 50-100%, but don’t take their keys yet; read on for some easy ways to save on Car Insurance in Puyallup.
- Keep a clean driving record. A DUI is costly and dangerous for any driver, but especially so for those who are underage. Costs can rise above $20,000, including not only higher premiums, but steep fines and legal fees.
- Look for discounts. Most Car Insurance companies offer substantial discounts for good grades or full-time enrollment in high school or college; younger drivers can also take safety courses to reduce rates.
- Do a good deed. Put that summer spent volunteering at the local senior center to good use. Some insurers offer discounts to teens who join community organizations such as the Scouts; they tend to see civic-minded kids as less of a coverage risk
- Choose a sensible car. Every young driver dreams of sitting behind the wheel of a flashy sports car, but they can be expensive to insure. Car type is very influential in determining monthly insurance premiums; save 50% or more by choosing a safer, more inconspicuous car. Expensive, perfomance and sports cars, along with SUVs, are seen as a risk, while insurers offer lower rates for drivers of typically “safe” vehicles. The theory that car color influences insurance cost is almost the stuff of urban legend, but insurers can assess risk on whatever criteria they choose.
- Look for certain auto safety features. The addition of features such as anti lock brakes, automatic restraints and air bags can mean great discounts for young drivers buying Car Insurance Puyallup.
It’s unfortunate, but the insurance industry is set to work against teen and younger drivers. Teen driver statistics from past years and a young driver’s lack of on-the-road experience can and do drive insurance rates up–but those rates can be lowered by following the tips above.
