It is really a stressful situation for most of the parents when they hand over the car keys to their newly licensed teens. An inexperienced 17 year old boy or a girl get easily distracted while driving and can face a severe danger on the road. Also, as per the survey it has been reported that teens or young drivers are more likely to get involved in the accident as compared to experienced and mature drivers.
So, being a parent when you know that car crash rates at this age are higher than any other age group, obviously, you will want an insurance policy that covers them maximum. Also, many of you might be aware of the fact that auto insurance for 17 year old male and female is more than drivers of higher age.
If you are aware of some helpful things, you can get the best car insurance for your teen. Let’s have a look at these helpful points and keep in mind when buying car insurance for your 17 year old teen.
Things to keep in mind for the best car insurance for 17 year old
1. Learner’s permit does not require their own insurance
It is very important to inform your insurer about the learner’s permit that your teen has obtained recently. Also, you must know that insurance laws may differ from one state to another. So, there are many companies that will suggest you not add your teen to your existing policy, while some recommend it to protect your teen in case he gets involved in an accident.
When your teen obtains a full-fledged driver’s license, he needs coverage – either on your existing insurance policy or on their own.
2. Buy an inexpensive car for your teen
Do you know that premium rates also depend on the type of car your teen drives? Luxury cars are more expensive to insure than others. It is so because they cost more in repairing or replacing than other models. So, it would be a good idea to buy a less expensive car for your teen, so that you have to pay fewer premiums.
You need to check for the insurance companies that consider this factor and ensure to assign your teen as a primary driver to the least expensive cart. Thus, pay a lower premium and save money.
3. Buy an older used car
It is always good to buy and insure an older used car, so try to encourage your teen to do so. Also, it is true that you will never want to take your teen to the risk. So, before buying a used car, make sure to check all its features and functions properly. Also, make sure that this car is completely safe and reliable for your teen.
This can help a lot in getting the cheapest car insurance for 17 year old female and male. Also, don’t forget to compare the safety features of a car if you have to choose the one from more than older used cars.
4. Keep your teen in your policy
You have the choice to add the name of your teen to your auto insurance policy. But, it would be a good idea if you have a good policy. You must know that adding them to your policy is less expensive than buying their own policy. If there comes a situation, such as your teen gets into an accident, due to which your premium gets increased, you can remove his/her name from your policy and let them buy their own coverage.
Let give Alias Insurance a chance to guide you regarding the best car insurance option for your teen. Also, make sure to make your teen learn safe driving. The insurance expert will help you at each step and get the right coverage at the best price.
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