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Low Cost Car Insurance
For Teenagers

 

 

 

  

Getting Low Cost Car Insurance for Teenagers

Yes, Parents, getting low cost car insurance for teenagers is possible, but the first thing you want to do is to get the right vehicle for that teenage driver. You want to stay away from high performance type of vehicles. This could cost you $700 a year or more on just liability insurance coverage for a teen driver. This can be even more if you have a male teenage driver. Make sure before you buy a vehicle you contact your insurance company or get quotes online to make certain the vehicle is not high performance. These are vehicles such as a Mustang or a Camaro and even some Hondas and Toyotas and, the least expected, are some Cadillacís.

Always make sure your teen driver takes Driverís Education in high school or another type of driverís safety course in order to get a discount from your insurance company. Also check with your company about other discounts that are available. Some insurance companies offer discounts for a teenage driver pledging to never let another passenger to ride with them until they have had their license for at least 12 months.

First accident forgiveness is a must for teenage drivers. If your company does not offer this, you may want to check out one which does. The reason for this is, it is almost inevitable that a teen driver will have at least one accident within six months of getting their license. Without first accident forgiveness the company could increase the premium by 40% or more or even cancel the policy making it extremely difficult to find another company.

It is always in the interest of the parentís of a teenage driver to opt for an older model vehicle that is paid for which only liability coverage is required. However, if full coverage must be carried on the vehicle then go with the higher deductibles and lower liability limits. The best vehicle to get a teen driver is actually a pickup truck since they are often times cheaper on insurance.

Therefore, getting low cost car insurance for teenagers is completely possible. Just follow these few simple steps and you may be finding yourself saving $500 a year or even more.

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