Auto Insurance: Advice for Teen Drivers

​One of the most exciting rites of passage as a teen is getting a set of keys to your own ride. However, before exploring your new-found freedom, it's crucial to get auto insurance to protect you while you're on the road. 

Motor Insurance Cover Tips For Teenage Drivers
Insurance companies tend to view teenage drivers as high-risk customers and so charge them more. However, if you know the right loopholes to go through, you may be able to get lower premiums. 

1. Get Defensive Driving Certification
   The odds are against you, and most insurers view teen drivers as inexperienced and so more likely to be involved in an accident. Speeding is expensive, and the consequences aren't worth it. Moreover, defensive driving helps you be a better motorist and avoid getting tickets than those without.
   
   
2. Don't Go For The Flashy Sports Cars
   By rule, sports cars and SUVs are a bad idea as a teen as they'll make your premiums skyrocket. These are more likely to roll over as no one buys a sports car to drive at forty miles an hour. Sedans are more advisable, saving you thousands in premiums annually.
   
   
3. Maintain Good Grades
   Being a good student pays off as insurers translate this to being more responsible, so reducing your overall premiums. Talk to your insurance provider about any student discounts available for maintaining a certain grade (A or B). 
   
   
4. Consider Combining Your Auto Insurance With Your Parents
   Talk to your parents about shopping around for an insurer that offers a good deal for combined auto insurance coverage. 
   
   
5. Practice Safe Driving
   Fight the urge to take unnecessary risks while on the road, as this will not only save your life but cut your premiums as well. Avoid getting things like speeding tickets, driving and texting, and any DUIs to drop your current and future driving rates. Even when you're with friends, don't try and impress them by getting yourself into unnecessary trouble.

Conclusion
Taking simple precautions like always wearing your seat belt and maintaining a good reputation at school helps lower your premiums. The consequences for being caught on the wrong side of the law are more drastic as a teen driver. To make sure that you're not charged more than you need to, keep on the right side of the law at all times.

At Pro Financials & Insurance Services, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (708) 233-8870. Get your free quote today by CLICKING HERE.