Car Insurance Tips for Teens: Driving the Right Car
The number of teenagers and college students who drive their own cars is increasing. That’s why many auto insurance companies have created products that cater to this group of young drivers. Many of them attract parents and teens to what they call the best car insurance for teens. Before you shop for the best vehicle coverage, you should first figure out which car to buy for your teen son or daughter. The choice is crucial to the type of vehicle insurance you get.
The problem is that teens and parents don’t want the same things. Teenagers want hot, sporty cars, the ones with fancy designs that cost almost double the price of their dad’s five-year-old. Options also vary between genres. Teenage girls like cute cars that look pretty. Teenagers like to have sports cars that can accelerate very fast along the highway. These options make teens less eligible for cheap car insurance.
Insurance companies look at the type of vehicle you have to assess how much they may be spending on it in case you have a traffic accident. The more expensive the car, the more expensive it is to repair if it breaks down. That is why providers will cover it at a higher cost. Therefore, parents looking to purchase vehicles for their college-going sons or daughters should consider the cheapest. Parents should talk with their children about how the type of vehicle affects their coverage. It is common for adolescents not to worry about these types of expenses because, obviously, they depend on their parents to make the expenses.
The ideal car for the best car insurance is not necessarily cheap. Some recommended vehicles for teens are the Honda Civic, Scion, Toyota Corolla, Nissan Sentra, and Mazda 3. Note that these are not in the “budget” category, but they are not in the “expensive” category either. These cars have good performance and a good range of safety features. Wealthy teens can buy luxury vehicles like the BMW-3 Series, Lexus IS, or Mercedes C-Class.
Regardless of the type of transportation you purchase, you should always consider its safety features. Make sure the one you buy has seat belts and safety airbags. Advanced security features include anti-theft mechanisms and alarm systems, although these are reserved for the newer models, which are expensive for most teenagers. In any case, insurance companies are willing to reduce the cost of the policy if your car has enough security features.
It seems that the right choice of vehicle is enough for a teenager to get a good insurance policy. But choosing the right car is only part of the story. In general, coverage for teens is expensive for other reasons, one of which is their habitual driving behavior. Teenagers, in general, are adventurous and this nature makes them susceptible to traffic accidents. They speed down the lane and are stopped by the police or become part of the traffic accident statistics. Those who plan to own a car must have a good driving record or at least good grades in school.