| Cheap auto insurance can cost you a bundle if you | | | | more passengers makes the driver up to three times |
| don't keep a few crucial tips in mind. You have to do | | | | as likely to be involved in an accident. The new laws |
| your homework to ensure that you understand the | | | | also prohibit driving during the dangerous late night and |
| fine print - especially if you have a teenager on the | | | | early morning period. This already seems to have a |
| verge of discovering the joys and freedom of driving. | | | | beneficial effect on premiums. 4. Seat Belt Safety: |
| You don't want to discover too late that your cheap | | | | Seat belt use is without question one of the most vital |
| auto insurance policy doesn't provide coverage for a | | | | aspects of driving. Your teen must know that his |
| young driver... It is an unfortunate fact that teenagers | | | | wheels will be confiscated if he ever drives without |
| cause a spike in claim rates. Research has shown | | | | wearing a seat belt. This also applies to passengers. |
| their accident rate to be up to ten times as high as | | | | By signing a seat belt wearing undertaking, you may |
| that of older, more experienced drivers. This high risk | | | | increase your chances of landing cheap auto |
| group has a direct effect on quotes. The premium can | | | | insurance. 5. You Are The Role Model: Remember |
| almost double in some instances. Fortunately there are | | | | that you are your teen's role model when it comes to |
| ways to soften the blow as far as your cheap auto | | | | driving. If you don't stick to the rules, you can't expect |
| insurance package is concerned. 1. Type Of Vehicle: | | | | your kids to do so. Your example over the years will |
| While choosing a low risk vehicle for your teen may | | | | play an important role in the way they approach their |
| have you out of the running as far as the popularity | | | | own driving later on. 6. Change Driver Status: Your |
| contest is concerned, it will affect your insurance quote | | | | teen may qualify to be an occasional driver, which will |
| significantly. Companies frown on an expensive, fast | | | | draw a lower premium. At first it will also be less |
| sports car with a teenager behind the wheel. Don't | | | | expensive to have teens covered under your personal |
| dangle temptation in front of your teen. Choose that | | | | protection plan. They can change to their own plan |
| older, heavier car and you will qualify for a much lower | | | | later on, once they have established some sort of |
| premium, as well as a measure of peace of mind. Get | | | | record. 7. Liability Coverage: Never, ever try to save |
| a list of the no-go wheels from your insurer. 2. Driving | | | | on liability coverage when taking out cheap auto |
| History: Try to get your teen to understand that their | | | | insurance. This is absolutely vital. If at all possible get a |
| driving history is just as important as their credit history. | | | | comprehensive umbrella policy. This will give you a |
| Avoiding a black mark in any shape or form is vital. | | | | huge cushion in case of a serious accident. It is |
| Don't claim for small mishaps. Tickets for speeding are | | | | astonishing how costs can add up if such an |
| a no-no. Passing a course at a reputable driving school | | | | unfortunate incident occurs. 8. Get Good Grades: A |
| will also enable your carrier to see the teen as less of | | | | number of companies allow generous discounts of up |
| a risk. Why not join your child in a Defensive Driver | | | | to 25% for good grades! Make a B average or higher |
| Program, in order to qualify for a cheap auto insurance | | | | a provision for allowing your teen on the road. 9. |
| discount? This will equip both of you to cut the risk of | | | | Company Car: If you have your own business, your |
| rear-end crashes, while teaching you and your teen to | | | | teen may be able to use the company car without |
| use emergency brake procedures correctly, to use | | | | you being slapped with a higher premium. Investigate |
| safe following distances, and to drive safely in foul | | | | this possibility. 10. Carry-Over From Your Teen: An |
| weather. Expecting your teen carry his or her share of | | | | important fact that is often overlooked is that your |
| the coverage is a great way to create a careful driver | | | | teen's carelessness or risky behavior may bump you |
| and teach responsibility. 3. Avoid Distractions: Teach | | | | into the high risk category with sky-high premiums! |
| your teen to concentrate on driving and driving alone | | | | Your kid has to understand that his or her driving |
| when in the car. No distractions are allowed. No cell | | | | record is serious business, likely to affect the whole |
| phone calls. No fooling around with passengers. In fact, | | | | family. If not handled with responsibility, it may void your |
| putting restrictions on carrying passengers during the | | | | chances of ever getting cheap auto insurance. |
| first year or so of driving is probably sensible and can | | | | - Read the article 10 Crucial Cheap Auto Insurance |
| help to get you cheap auto insurance. In some states | | | | Tips - also by Rika Susan of Copyright: 2007 Rika |
| teens are now barred from carrying more than one | | | | Susan. |
| passenger. It has been proven that having three or | | | | |