Teen car insurance is a must, almost obligatory to protect both car and the teen. It is true that adding a teen in the insurance policy increases the premium for obvious reasons.
oThe very high rate of drivers under 20 involved in accidents.
oThe sense of irresponsibility and carelessness naturally found in teens.
oMathematically, premium can skyrocket from 100-500% with teens in the policy
However, that does not mean depriving of car keys from your teen. There are easy steps and ways to eradicate "danger" keeping the insurance rate "low" and maintaining "safety" of your teen.
1.Having a clean driving record helps a lot. Since a single DWI conviction can raise car insurance premium from base premium of few hundreds to thousands of dollars annually.
2.A good academic record and regular high school or college going teen wins greater discounts in car insurance policy of many companies.
3.Insurance companies prefer low risking teens that show responsible behavior and in this regard some driving school certificate or some community center membership is useful in providing the teen trust capable for the companies. This gets him / her discount in policy and does not add up burden on you as well.
4.Safe car with safety measures is a blessing for your teens. It involves automatic seat belts, impact bags, anti-lock breaks etc.
5.Teaching him / her is the best on your part. For example what to do in case of emergency or how to report a claim, how many passengers to be in the car, respecting traffic rules and how to avoid all things you did wrong being a teenager and now you do not want them to do .
6.Talking of stats, teens have to pay a lot more than you do. Tell them why is this? Why do the insurance companies not trust teen drivers? So that, they can learn what not to do.
Every family describes the best, which includes teen car insurance but safety of the family comes first and to maintain that one has to be responsible and law-abiding.