Basic car insurance
Freedom, as an abstract thing, it cannot be touched nor be held literally by the hand. But you can create or destroy it, or you can give it or take it away. But freedom is life. Would you have the heart to take it away?
Freedom comes in different forms. It can be a freedom of speech, freedom of loving or freedom of doing anything that you want as long as you are not stepping onto otherís freedom and rights. That means, even driving on the road also gives a sense of freedom, provided that you are not hurting someone or damaging any property, or else, it will be taken away from you.
Because younger people are the ones mostly involved in auto accidents, driving freely on the road cannot be given to them that easy. Or letís put it this way: Insurance companies give high auto insurance rates for your teen son. Why? Itís because they are being considered as high risks on the road.
Car insurances can vary dramatically in price, so read on to learn how to buy car insurance that is affordable for your teen drivers or to know the few things you can do to help reduce the rates you pay for them.
First, make them realize the importance of keeping a clean driving record. Speeding tickets, traffic violations and accidents are the things that should be avoided to maintain a good record that will be eventually rewarded with lower premiums.
Another way to reduce their rates is by purchasing insurance with a higher deductible. The higher the deductible, the lower the premium.
If you are going to buy a vehicle for your teen, be sure to check the class where the vehicle falls into, do not choose a vehicle that falls into a sports class or higher rating class. A vehicle that is built well with extra safety features is a good choice.
In most states in the UAS and some provinces in Canada, the graduated licensing laws have come into effect. The basic underlying rule is to restrict new drivers by limiting what their license will allow them to do.
A full auto license such as a class 5 may be issued to them but a letter designation behind it indicates that they are new drivers. These new drivers have nighttime driving restrictions, vehicle occupant restrictions and a 0 alcohol tolerance restriction to name a few. After specific period of time, they will be required to take an additional test to remove them from the new driver programmer.
To substantially reduce the cost of insurance of your teen driver, purchase a stand-alone policy from an agency that specializes in providing teen insurance. A stand-alone policy means that they carry their own insurance and not an additional driver to your insurance. These insurances keep the premium lower for teen drivers by placing certain concessions on their driving habits. They may require driving school, no driving after dark, or various other restrictions.
Statistics show that a 16 year old is 10 times more prone to accident than an adult between the ages of 30 and 59, so the reason of insurance companies is giving high rates to them is obvious.
Teach your teenager to become responsive and accountable. Make them earn your trust for the use of the car and make them accountable to pay at least a portion of their insurance premiums. A part time job that breeds maturity can be helpful.
A teenager must be guided in his newfound freedom. Itís an exciting thing for both of you, but responsibility always counts. The best thing that you can do now is to get online and research for teen insurance rates, so you can get them on the road.
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