Tuesday, March 24, 2009

Car Insurance For Young People

By Arnold Nemesis

Did your son just pass his driving test last year but were ripped off with the high cost of insurance premium? You can now set your worries aside for there are several options for you to reduce your son's auto insurance premium.

Car insurance for young people is expensive because they still lack driving experience. And since they are still new to driving, they are prone to accidents. As a parent, be a role model to your child for proper driving behavior when on the road to avoid any mishaps. A traffic violation can double or triple your insurance premium, making it almost unlikely that you can get a cheaper car insurance in the future.

Go with your child when choosing his car if you haven't bought one yet. Most teen drivers prefer expensive or fast cars without even considering the cost of its insurance. So, it would be better for you as parents to explain to your child that top of the range cars are too costly to insure because of the risks involved. Encourage your child to choose cars from the lower group so as to save on your car insurance premium.

However, even with the parent's advice, statistics still shows that young drivers often get cited for reckless driving habits. In fact, young males get into more trouble than young females. That is why insurance premium is so high for this age group.

Yet there are still a number of insurers who are still willing to give these young people a chance to prove themselves of their worth in availing cheaper car insurance premium. They have several things that they can do to help reduce the costs such as:

keep up a good driving record

add your child to your policy

Let your child maintain at least B average

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