Many parents in Louisville, Kentucky are all facing the same distress each year. It’s when their child becomes old enough to drive on their own and they have to start paying for car insurance for the youngster. Considering that on average six hundred teenage drivers are charged with driving while intoxicated each year, it’s easy to see why insurance companies view this age group as being high risk. There are things a parent and their child can do though if they want to enjoy cheap car insurance in Louisville, Kentucky.
First and foremost every teenager who becomes licensed to drive in Louisville should be a graduate of a state recognized driver’s training program. These programs not only offer a cheaper insurance rate for the teen, but they also teach the young adult the basic rules of the road, including how to drive both defensively and safely.
Teens also can enjoy cheaper rates if they are in a car that has safety measures built-in. Most insurance companies look favorably on a teen that is driving a car that has both air bags and anti-lock brakes. So if a parent wants their teen to have a lower price tag on their insurance premiums, allowing them to drive a car with these features is a good idea.
Look for an insurance company that offers a discount for conscientious students with good grades. Many teenagers see the value in a solid education and work very hard to maintain a high grade point average. Some car insurance companies view this as a sign that the child understands responsibility and they will reward the teen by giving them a cheaper car insurance rate.
In addition, it’s really important for the parents to stress the cost of speeding and reckless driving. For each incident that the child is involved with be it a speeding citation or an accident, the insurance rate will jump. Kids need to be well aware of the fact that their actions when driving really do have serious financial consequences.
By: Deborah Mills
Posts Tagged ‘Car Insurance Rate’
Cheap Car Insurance in Louisville, Kentucky
January 13th, 2010Cheap Car Insurance in New York City, New York
January 13th, 2010
Anyone who lives or drives in New York City knows that traffic is overwhelming there. You’ve got to be a conscientious and careful driver to be able to navigate the streets of Manhattan or one of the other boroughs in the city. Although you can certainly protect your car by driving safely, sometimes it’s not enough and you end up in an accident. Having adequate car insurance can help when you are in a fender bender or a more serious crash. There are a few things everyone who is looking for cheap car insurance in New York City, New York should know.
Most importantly you have to ensure that the car insurance company you choose is licensed to do business in New York State. If they aren’t, you’re going to be out of luck when it comes to trying to make a claim. Ask about this with each company you gather a quote from. If you are unsure, contact the State’s Department of Insurance to ask whether or not the company is indeed registered.
Also, one of the best ways to secure the cheapest car insurance rate possible in the Big Apple is to go with the minimum required coverage. All that is required is for the vehicle to be covered with liability insurance. If you are calling for quotes from several insurance companies, ask about their price for just this type of coverage. Although many insurance agents, most in fact, will try and up-sell you to purchase more coverage, if you are driving an older vehicle that isn’t worth a great deal, you don’t need comprehensive or collision coverage. In addition, be a safe and courteous driver and above all else, make sure there’s ample room between your car and those around it. Frequent accidents always equal higher insurance rates.
By: Deborah Mills