Teenage Driver Insurance

If you are a young driver attempting to find cheap and affordable car insurance you are probably already aware of the challenge that lies ahead. The statistics about teenage drivers aren’t good. According to the Insurance Institute for Highway Safety (IIHS), 16-year-olds get into accidents almost six times more often than drivers between the age of 30 and 59. No wonder car insurance premiums are so high for this age group. It has always been difficult if you are aged between of 16 – 25 to insure your car affordably, and although car insurance companies are beginning to recognize the need to supply this ever expanding market, it can still prove to be hard to find a reasonably priced car insurance premium.

For instance, young drivers will often own older or less maintained vehicle compared to other drivers, which means they are more likely to break down and potentially cause an accident. Teenage drivers are also more likely to have accidents which can either injure themselves or the other party.

However, parents should be aware if the fact that there are several ways that can help lower car insurance costs for your teen. In order for teen drivers and car insurance to work well together, parents need to know the factors that will help contribute to paying less for their son or daughter’s auto insurance in the future.

The first thing that insurance providers look into when giving a car insurance quote is the driving record of the person. Teenagers that have a good driving record may merit consideration. What that means is that you can help keep your teen focused on safe driving by having him or her pay a portion of the auto insurance premium. Also, be sure to let your teen know the consequences of getting traffic tickets.

Before you purchase your car it is also worth researching which insurance group it will fall in, so that you can ensure you will be able to get the cheapest possible insurance.

Finally, by using Insurance4lessdirect.com you can rest assured that we will strive to find you the cheapest car insurance premium that will provide you and your teenager with the best cover.

Did you know: If you’re adding your teen driver to your auto insurance policy, be sure to take advantage of the auto insurance discount for good students, available in many states.

What happens if I am not insured and drive my car?

That depends on the state you live in. Most states have stringent laws about having car insurance and if you don’t choose to follow these laws by not purchasing car insurance, there can be tough penalties and fines. According to the New York Department of Motor Vehicles (DMV) if you are convicted of operating an uninsured motor vehicle or permitting another person to be operate your uninsured vehicle; your license will be revoked for at least one year. The same penalty applies if the Department of Motor Vehicles receives evidence that you were involved in an accident without being insured. Your vehicle may be impounded and you may be charged with breaking the law and that will be on your police record. Also, if you cause an accident, on top of the above mentioned things you will still have to pay for the damage to the other vehicle and people who may have been hurt, which can easily run into thousands of dollars.

Uninsured and underinsured motorist claims

Over the course of your life,You’ve heard of the expression “All it takes is one”? It sums up how an uninsured or underinsured driver’s reckless behavior behind the wheel can lead to a serious car accident and severe injuries to you, and make an already complicated situation even more so.

You may spend tens of thousands of dollars on auto insurance, but are you spending it where it’s most needed? When you are in an accident with another motorist and he doesn’t carry his own liability protection or doesn’t carry enough, uninsured or underinsured motorist liability coverage allows you to collect for lost wages, medical expenses, and pain and suffering incurred in the accident.

Should you already have comprehensive health and long-term disability insurance, then uninsured or underinsured motorist liability coverage is largely redundant. You do give up the ability to sue for general pain and suffering if you drop this coverage and to insure passengers in your car who may lack adequate medical and disability coverage.