Young drivers tend to be reckless in their driving. They are often in a hurry to get to their destination and more often than not, the hit things which include anything from trees to buildings and bridges. This careless behavior may not only be due to inexperience but mostly due to the adventurous nature and love for speed, forgetting that speed actually kills. As such, it is important for a parent to a teen driver to take an insurance cover for the security of the teen and the family as a whole.
To most parents, buying a cheap car seems like the most viable solution, but what if it is your car that your teenage child is driving? Taking insurance for a young driver is a bit more costly compared to the car insurance of experienced driver. This is because of the track record of the teen drivers which is normally marked with numerous accidents here and there ranging from minor to fatal ones. Drivers over the age of 25 pay less premium for the car insurance. This costly expedition has hindered many parents from paying up car insurance for their teens.
The solution should not necessarily taking away your teens driving license after an accident. At the end of the day, they have to learn and become better drivers.
Young driver’s car insurance can be made cheaper and affordable by signing up a secondary and mature driver on the insurance policy. It is this simple: if a parent over the age of 25 signs up as a secondary driver on the policy then the premium will be slightly less. A mature driver stands for security and therefore the insurance company views it as less risk to the car being insured.
The security measures in the car should also be sufficient to minimize theft cases. The installation of working car alarms, immobilizers and tracking devices are a good way to beef up security of the car. The less risk associated with the car, the lower the premium for the insurance.
However, the safety of a young driver does not end at taking an insurance cover. As a parent, ensure that your teenage son or daughter is fully trained on driving before you let them hit the road. Getting a driver’s license may not be enough to qualify them as good drivers. Practice is essential in learning to be better and more careful drivers.
But first, take car insurance for that youngster as a safety measure.