Getting the best auto insurance for your teen can be a problem. Teen driver insurance adds expense to an auto insurance policy. Believe it or not, the Highway Traffic Safety Administration says that around 20 to 40 billion dollars was spent on crashes by teenage drivers. So, not unexpectedly, adding your teen to the policy can drammatically boost your premiums. Is there anything you can do to at maintain or even lower your auto insurance in light of this? Yes...an no. Yes, you can lower your insurance costs.
Here are some things you can do.
First, don't buy based on price alone. If you're a safe driver, you should consider a higher deductible. A $250 deductible increased to a $500 or even a $1,000 deductible can save you anywhere from 10 to 30 percent on your car insurance premium. What you need to consider is the potential cost consideration in light of an accident or when that deductible will be required.
How do you find the best and good, cheap car insurance? When I say "cheap car insurance" I mean affordable. Due to the Internet, finding a good auto insurance deal is easy now. You can sit at home and compare the different policies you get from the various online and top insurance providers. Here's a tip that you should consider as well -- look at the different direct mail offers you get. I usually throw junk mail away but I found out that auto insurance providers actually spend a lot of money on direct mail campaigns in the hope of drumming up new business. They seek to spike sales by offering a real bargain in cost to those who buy via that direct mail piece. I literally cut my car insurance in half due to this and I'm not exaggerating. Not only did I cut it in half, I increased the coverage I had in a few instances.
So, even if you have a teenager driver added to your account, you can still have a manageable car insurance premium.
Needless to say, you should have a good, comprehensive insurance policy that covers all possible events with your automobile. You don't need all the options, but you should think ahead in the eventuality of when you will actually need your car insurance.
Let's get back to buying online, don't just get one quote. Get at least five or more. This way, you can know what the market will bear and what you can expect. Even though there is something to be said for going with larger named companies, don't overlook smaller car insurance companies. Sometimes, you can get great deals from these auto insurance providers as they want your business and they can undercut their competitors drastically.
Remember, it's always a buyer's market when it comes to car insurance. Always. There is plenty of competition out there and if you apply a little bit of due diligence to looking around for the best deal, you will find it.
I hope this teen driver insurance concerns article has been useful to you.
Thane Rutledge is a successful Webmaster and publisher of good-auto-insurance-info.info. He provides more auto insurance advice to include ways to find good cheap auto insurance at his website http://www.good-auto-insurance-info.info.
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Visit Good-Auto-Insurance-Info.infoto learn how to get cheap auto insurance rates from the best insurance companies. At this site, you can learn how to get cheap auto insurance rates from top-rated car insurance companies. This site is a popular auto insurance web
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