The Best Way to Find Cheap Car Insurance For Young Drivers

By Eli Adams

Cheap car insurance for young drivers may seem impossible to find. While it can be difficult to find an insurance company that's willing to trust your teen, there are companies who are willing to cater to young drivers at reasonable rates. Even outside these companies, there are plenty of ways to find cheap car insurance for young drivers. You just have to know how.

One of the fastest ways to lower your teen's car insurance is to make sure that your teen knows the rules of the road. Your child should be required to take a driver's education class, but often some of the responsibility for this class falls onto your shoulders as the parent. If you want to keep your insurance costs to a minimum, don't just sign the papers; make sure your child actually knows the laws, pays attention in class, and knows how to drive well. If your teen doesn't know how to handle a tough situation on the road, he or she will get into a lot more accidents, which will drive their insurance rates sky-high.

One way to check whether your teen follows the rules of the road is to let him or her drive once in a while with you in the car. Granted, your child isn't going to drive the same way with you in the passenger seat as they would with four friends in the car, but you'll get some idea of how well they follow road signs and speed limits. Getting good grades can seriously lower your child's insurance rates, as well. Many insurance companies are willing to offer discounts to good students, because they know that good students are statistically less hazardous on the road. That means that bringing in a transcript with a good GPA on it can get your teen much lower rates.

Another thing that can get you cheap car insurance for young drivers is a sober lifestyle. Drugs and alcohol seriously impair the ability to drive, and many teen accidents happen when drugs and alcohol are involved. While not all drivers may be willing to alter their lifestyle just for their car insurance, you should stress to your teens the importance of making sure that they drive sober. Excessive drinking can cause a lot of trouble and embarrassment, but even a little alcohol can increase your chance of an accident. And if your judgment is impaired at all, you don't want that impaired judgment behind the wheel, going 90 MPH.

If you have kids, you are going to want to find cheap car insurance for young drivers. If you don't find the right car insurance for your young driver you could be putting a lot of money into places that are not needed. Article Source: http://EzineArticles.com/?expert=Eli_Adams

Auto Insurance Premium Factors

By Dean Hood

Everyone who owns a motor vehicle has to buy auto insurance, therefore this becomes a significant part of your budget. You need to have a good understanding of how vehicle insurance premiums are established and here are the major factors that are considered when developing your rates:

Age is an important factor. The highest risk fall between ages 16 and 23 and the lowest are ages 40 to 50.

Gender has revealed that women are by far safer drivers than their male counterparts.

If the neighborhood you live in is a quiet neighborhood, where there is less traffic and a low crime a rate (vs) a part of the city with a high rate of theft and vandalism, you can expect higher car insurance premium.

A poor driving history that has strapped you with traffic violations, DUI/DWI or reckless driving can be a detriment to you. Some insurance companies will immediately discard your application if you have a bad driving record; on the other hand, if you have a good driving record you can expect lower premiums.

Purchasing a luxury car can jump your premiums for the obvious reason repairs on these models are costly (vs) cheaper models. Also buying a quality used car will put you in a much lower premium calculation class.

Your credit rating signifies a direct relation to creditable and responsible life styles. Statically you will be considered a safer and a more responsible driver and pose less risk for the insurance company.

These are the generally accepted factors auto insurance companies use to calculate premiums. As you will note, some factors you have no control over, such as your gender, your age, and possibly your location.

Take time to make yourself cognizant of these factors that can affect your auto insurance rates. It will pay you to work to improve the ones that you can control such as keeping your policy current, the type of car you buy, and so on. Protect your vehicle from damage and theft and above all, drive responsibly. Not only do you want to keep your premiums in line, you want to keep you and your loved ones safe. For more tips on auto insurance go to Georgia auto insurance calculator Article Source: http://EzineArticles.com/?expert=Dean_Hood