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Auto insurance is mandatory for all U.S. drivers. That is means while kids get their license, they need to be additional to their parents' policies. Unfortunately, this typically causes any significant jump in premiums because young, inexperienced drivers are considered a greater exposure. According to the Rocky Mountain Insurance Facts Association, 16-year-ageds have a higher number about car accidents besides any other age team and were involved in 16% of all reported crashes in 2006.

Trouble: Moderate Instructions

Things You'll Need:

Proof of Completed Driver Courses

Uncovering Affordable Teen Coverage

1 Sign your son up for any driver's education course. Many insurance companies offer discounts for the prospering completion of these courses.

2 Scrap the new vehicle idea. Giving your 16-year-outdated son a manufacturer new auto to drive will bring about the premiums to skyrocket because the period of loss possible is higher also because you may be required to purchase complete coverage if the vehicle remains being financed. Instead, buy a used older design.

3 Speak to numerous insurance companies for quotes. The costs of insuring a 16-year-aged lad varies from provider to provider. Comparing costs can conserve funds.

4 Request your son's transcripts or evidence about grade place average from his school. Most insurance companies propose discounts for good scholars who are considered reduced risky to guarantee. What yous considered a "good student" varies away from company to company, though the scholar generally wishes some B average.

5 Increase deductibles on the policy. Because costs are based on danger, if you are willing to pay a higher deductible, consequently the insurance firm takes on less regarding the risk with an accident. This lowers the premiums.

Tips & Warnings

Pick out cars with safety features, such since air bags and anti-lock brakes, to your teen's car. Insurance companies sometimes lower premiums for these features.

High deductibles can lower premiums but if you can't afford to pay them out-of-pocket, you can end awake in a difficult financial place.

Collision and comprehensive coverage will send your premiums skyrocketing. Get liability coverage only for your teen driver.