If you have just passed your driving test you cannot probably wait to start driving. It is a big step in your life and you want to get on it as quick as possible. Hopefully, there are plans ahead to make this transition easy for you. Many parents decide to splash for a new automobile for their children’s birthday or when they pass the test.
You probably have a car in mind and probably not going to get it if your parents are sensible. A new car should be carefully chosen for its safety features. Teen drivers are the group that cause the four times more accidents than any other driving age group. When they crash a car they cause a lot of damages, injuries and death.
When this is the case looking for a sports car, a light automobile or even a small one wouldn’t really be the best choice. Maybe a small car is alright as long as you don’t take it to highways. They shake when you pass a truck that you worry what would happen if you have an accident. Sports cars are never a smart choice for a new driver. Besides, you may not be able to find insurance coverage for it.
Perhaps you should take your time and do plenty research on which cars are cool and safe enough. In the meantime you can go on your parents’ policy and drive the family auto. They will need to inform their carriers that you have passed the test and they now have a teen driver at home. Regardless of you intending to drive their car or not their premium would be affected by you.
If a teenager gets his/her own car and insurance policy they may be taken off parents’ policies. Otherwise, companies will have to include them when they are offering quotes. People may not even realize that their premium is expensive because of young drivers in the household and may be paying high rates even though the youngsters are never driving the insured cars. This may be because they have their own vehicles or they are away at the college. You need to talk to your insurer about the position and make sure that you don’t pay more than you need.
It is expensive to insure a teenage driver. But you can reduce the costs by buying them safer automobiles, encouraging them to get at least B grades at school and looking for the most competitive teen driver insurer. Not every company likes them and a few tries to avoid them at all costs. They are not going to offer you a low rate.
However, teen driver auto insurance is a good business for smart insurers. First of all they charge a lot of money to insure them. Secondly, they grab the chance of being their first insurance providers. People don’t forget their first cars, insurers, loves and this puts the company in a special place with young policyholders. This advantage is taken seriously by some companies who have special incentives for teenagers. You should find these companies that are willing to take a chance on you.