How to get cheap auto insurance for teen drivers

Car insurance for teen drivers do not come cheap. Auto insurance firms will not really have good deals for young drivers because statistics-wise, they come with the highest risks and most of the time generate big costs in terms of claims after an accident.

There are techniques though on how you can still save some money if you are getting a car insurance for teen drivers:

Have a clean driving record

Car companies will scrutinize a teenager’s driving record to make sure that they will charge a premium proportionate to the risk of the teen driver. Simply, the lesser speeding tickets and accidents your teen is involved with, the lesser the cost of the car insurance will be. If you are a parent, you may want to encourage your kid to have good grades since studies show that this is consistent to good behavior on the road.

Get a safe car

They may not want to drive in your family van but getting your teen driver a fast car might mean higher insurance premiums due to the higher risk for speeding. Car insurance companies will calculate the premium of the coverage based on the vehicles speed risk and its safety. It does not mean that you need to get your young driver a subcompact but make sure you get them a car that has enough safety features like air air bags, anti-theft alarm system, traction control, anti-lock braking system, and the works.

Shop for the best deal

If you are a parent, you might save some money if you add your child to your car insurance policy but make sure that you make him or her an additional driver for the least expensive vehicle. If you think you can get a better deal from other insurance companies, by all means shop for another coverage. Do your homework and make sure that your teenager’s car insurance policy will not be a big financial burden.

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Greener vehicles can save you some money on your auto insurance

p54 green car insuranceYou will see in the news the booming demand for green vehicles, be it hybrids or electric cars. In every corner of the globe, the demand for environment friendly vehicles is on the rise with everyone being more conscious about fuel efficiency and carbon dioxide emissions. While these green vehicles can help save our planet, they can also save you some money.

Different states and different countries offer a lot of tax incentives for consumers who decide to acquire hybrids and EVs. Likewise, car insurance companies also recognize the conscious effort of car buyers. Insurance providers come up with solutions to enhance the affordability of these green cars. Auto insurance companies may be able to offer you discounts on your premium for owning or renting a hybrid vehicle.

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Drive Greener — Easily: 2

859284DCDC086D62ED7378338C81ANow that we have talked about hybrid cars, there are other ways that you can certainly make sure that you are staying a little bit greener and one of them is via car pooling.  While it is great to cut down on your gas bill, car pooling is also a great and greener way to ensure that you are cutting down on your emissions as well.

You can also invest in a car that is small.  Smaller cars actually emit fewer emissions, which is what you are trying to do all along.  While compact cars might be a little uncomfortable, if you find a smaller car that suits you needs, why not get it?

Finally, you want to make sure that you check out the EPA’s green vehicle guide, that way you can truly make sure that your car is as green as you can get it.

Even though we love insurance, we know Auto Insurance isn't something most people "enjoy". However, you need it, and we're here to inform you as good as we possibly can.

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Drive Greener — Easily: 1

ahb11.500In this day and age, we are very, very concerned about the environment and exactly how much carbon and emissions we are using.  That is why I am here, to tell you and educate you on how to drive a little bit greener and how to make the most of your car!

You can definitely make a difference and I can tell you for sure that when you implement some of these steps, you will certainly be able to feel better about the environment!

One of the first things that you are going to want to consider is driving a hybrid car.  While they are expensive, they are definitely one of those cars that you should have if you truly are looking to make a difference.

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Car Insurance Quotes — How To Save Money: 2

20081120-mini-e-drivingAnother thing that you want to keep in mind whenever you are looking at car insurance quotes is that your age and driving record has a lot to do with what rate you are quoted.  This is especially true about your driving record.  The reason for it is because if you are a risky driver, you are going to get a higher premium.

This means that if you get into a lot of accidents, get a lot of tickets or even just break the law a lot in general, you are going to have a very, very high car insurance premium, which is something that everyone should be trying to avoid!

Your age is also something that you want to take into consideration, which obviously can not be changed but you certainly want to keep in mind that if you are under 25, your insurance premium is higher.

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Car Insurance Quotes — How To Save Money: 1

porsche-911-driving0124Car insurance is a fickle business and it is something that everyone needs – however there are some things that you can do to ensure that you are saving as much money as possible.  In this blog, we explore a lot of options in order to save you a lot of money on car insurance; however I want to make sure that you know all of the options that you have.

One thing that is definitely over looked is that allowing your auto insurance policy to lapse will make it impossible for you to take advantage of any discounts that you might be looking into.  If you let your car insurance lapse any, you will definitely condemn yourself to higher rates.

However, you can always reach out to your insurance agent to seek their advice and they may be able to offer up some insight.

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Driving In The Rain: 2

driving-in-the-rain

Whenever you are using your brakes in the rain it is always important to remember that they could slip.  What this means is that you should certainly increase the stopping distance between you and the car in front of you.  You also want to make sure that you brake a lot earlier and with a lot less force so the car behind you knows exactly what you are doing.

The rain is something that will slow you down and you should certainly make sure that you allow a lot of travel time as you will be driving at a slower pace than you are normally used to.  There will also be more traffic than what you are used to, so you want to make sure that you definitely allow yourself some more driving time.

One thing that you should take to heart is that you do not need to rush anywhere.  You want to take it slow, that way you do not get into any accidents.

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Driving In The Rain: 1

driving-school-driving-in-the-rain

Can we have a little talk about all of the rain that has been happening on the east coast lately?  Me, I just moved from Michigan to Mass and I have to say that this particular state got hit with rain and that made me think about how many people do not know how to drive in the rain.  So that is what the next few blogs are going to be about – driving in the rain!

Firstly, you want to make sure that whenever you are driving in the rain that you are extremely cautious and that you are very, very careful, as the rain is slick.  That does not mean that you have to go 10 miles an hour all of the time, but you do want to make sure that you are careful.

In the next blog, we are going to talk about how you can use your brakes to your advantage!

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Is Pay as You Drive Insurance Right for You? 2

124912_traffic__Pay as You Drive, or PAYD, insurance can be an advantage to certain types of drivers. Other car insurance companies have been known to give discounts to those drivers who do not put a lot of miles on their vehicles. This is because high mileage drivers are considered riskier. They run a higher risk of getting into an accident and costing the company money.

There are thirty four states in the United States alone which have some type of PAYD policy available, although it must be confessed that in other states, these types of policies are actually prohibited. At the same time, however, many of these states are trying to make these policies possible.

This is because of the many advantages associated with them, such as less pollution, less gas use, and the ability to save money.

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Is Pay as You Drive Insurance Right for You? 1

insurance 1Have you ever considered a Pay as You Go auto insurance policy? It has to be said that many drivers are not yet aware of this type of policy, but it can definitely be beneficial.

Do you have an extra vehicle? It is a vehicle that you need but perhaps do not drive that often? Do you regret having to pay the same amount in premiums as you have to for your primary vehicle(s)?

In cases such as this, and many others, drivers can definitely benefit from Pay as You Drive policies.

Succinctly put, with this type of policy there is a direct relationship between your premiums and how many miles you put on the vehicle. In other words, if you do not put that many miles on a particular vehicle, the less your premiums for that car.

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