Facts to Consider Before Buying Car Insurance for Teenagers in West Palm Beach

The parents of teenagers who have recently obtained their driver’s license usually feel extremely proud and terrified at the same time. While they no longer have to adjust their schedule based on daily pickups and drop-offs, they realize that their teens’ safety comes first, and also implies additional expenses. In the U.S., the fatal crash rate calculated per mile for drivers under 19 years old is up to 3 times higher than the one linked to drivers over 20. This is why teens are listed as high-risk candidates by insurance companies. Implicitly, this is the reason why you, as a responsible parent, have to spend more money out of your own pockets on car insurance for teens in West Palm Beach.

You may ask: how much money are we talking about? According to a recent article published by Forbes, adding an inexperienced driver to your family policy can boost your costs by 76%. The same source reveals that gender plays an important part in this equation, revealing that insuring a 16-year-old male driver can lead to a 92% increase, while insuring a daughter of the same age could trigger a softer surcharge estimated at 67%.

Tips on How to Keep Your Car Insurance Premiums in Check While Insuring Your Teens

In this context, are you still contemplating the idea of adding a teen driver to your family policy? If your answer is affirmative, we should let you know that there are a few easy ways in which you could still lower your premiums, while purchasing the ideal amount of coverage to keep your loved one out of harm’s way. Here are a few tips that you can apply to reach these goals.

1. Relocate. If you are desperately trying to spend less money on car insurance for teenagers in West Palm Beach, here’s a trick that will always return the desirable results: relocate your teen to a suburb where the insurance costs will always be lower. This strategy usually works best for people who live in overcrowded urban areas associated with a high road traffic accidents rate and implicitly, sky-high insurance premiums.
2. Leverage All the Discounts That You Are Eligible for as an Adult. A clean record and your loyalty to a certain carrier are only two of the main elements that could help you unlock additional discounts and make the most of cheap auto insurance in West Palm Beach. Profit from these deductions on your policy to offset the costs of adding a teen driver.
3. Motivate Your Youngster to Maintain Excellent Grades. Is your teen a good student? If his grades leave a lot of room for improvement, now would be the best time to motivate your youngster to boost his or her academic performance. Many insurance companies offer price breaks of up to 20% to eminent students who maintain above average grades (B average and up)
4. Give Your Teens the Opportunity to Take Driver Safety Courses. Want to convince your insurance provider that your kid is not a high-risk candidate? If that’s the case, give your youngest family members the chance to take one or more specified defensive driving courses that are linked to a more responsible attitude, reduced insurance costs and fewer traffic tickets.
5. Opt for a Car Model That Costs Less to Insure. Did you know that minivans, SUVs and crossovers are the main types of vehicles that are commonly associated with lower premiums? If you are determined to buy a new car for your youngsters, take this fact into consideration and avoid flashy, ultra expensive or sporty options whose repairs or replacement would demand a significant amount of money.
6. Shop Around. Why settle for a first offer made to you by a local company that you don’t really know or trust, when you can broaden your horizons by getting quotes from a reputable provider of insurance policies tailored to your specific needs and budget? At AC Insurance Services, we work around the clock to bring you the best deals in terms of affordable coverage that makes sense to you. Whether you choose to buy your teenager a separate auto insurance policy to give your kid a fresh start, or add your inexperienced driver to your family policy to keep costs in check and put your perks to good use, we have the best options to back your plan. We speak English and Spanish and we are eager to help you select and buy the type of West Palm Beach car insurance that is a perfect match for you and your teenager.

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