Anyone who has had a child of driving age knows too well the significant costs surrounding the newfound freedom to four wheels their child. Young drivers can be much more expensive to insure because of their inexperience. After all, young drivers make mistakes and when driving a vehicle, these mistakes can be costly. That said, there are a variety of ways to help reduce the cost of adding your young driver to your insurance policy.
Advanced Driver Training - These types of programs go beyond that new drivers learn in driver education classes typical. For example, the pilot ADEPT has developed a computer software called teenSMART® which is the first driver safety program to identify and treat the six behavioral and social factors that cause more than 0 percent of all collisions of adolescence. Teens who participate and complete teenSMART are statistically proven to have 30 percent fewer accidents. While programs such as teenSMART may cost a little, it is possible that you may qualify for a discount with some carriers if your new driver complete the program. For more information, visit www.teensmartdriving.com
Good Student Discount -. Many insurance companies offer this discount for new drivers who are full-time students. Typically, a student must bring a certain grade point average or be classified in a certain percentage of their class in order to qualify. Most carriers require a copy of an official transcript before each renewal to add delivery
student away at school -. Some carriers offer this discount for new drivers attending school more than 100 miles away from home. This allows the policy owner to receive a break on the premium as their new driver using a vehicle and is too far to pop at random and take the car for a ride.
Low Mileage Discount - Although this reduction is not specifically geared towards new drivers, it is still noteworthy. Most young drivers who have their own vehicle "putt around town" and do not accumulate miles as a commuter workforce. It is a good idea to keep track of those miles on their cars to see if they are eligible for a low mileage discount with the insurance company.
Although these reductions can not fully offset the financial impact of your new driver will have on your insurance policy, they can help take the sting of this premium increase. Be sure to check with your independent agent to see if they offer these discounts (or any other) that can help keep your car insurance premium at a reasonable price. For the parent with a new driver teen, be sure to read the blog "Sixteen Candles and a car" for some tips on how you can relax and enjoy both the first glorious days of driving! Are there any other discounts or ways to save you know? Please share in the comments section below.
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