Auto Insurance & Your Teenage Driver

You can hardly believe she is already driving. It seems like yesterday you were dropping her off at daycare and now you're picking her up from Driver's Education Class. As you watch her stride out, driving certificate in hand, you're overwhelmed with pride and, of course, a parent's worry. According to the Insurance Institute for Highway Safety, teen drivers between 16 and 19 are four times more likely to be involved in an automobile accident. Teen-driving statistics and the additional auto insurance premiums you're up against don't have to cloud this milestone in your teen's life. At Insurance Capital Group, we understand the questions and concerns you have when sending your teen out on the roads.

Keep these tips in mind to reduce rates and keep safety on your teen's side:

Set A Good Example - Do you drive the speed limit? Always remember to buckle-up? Think about it: if you've set a good driving example, your teen driver will be more inclined to follow in your safe driving footsteps.

Promote Practice - Ensure that your teen gets plenty of supervised time behind the wheel. Being newly licensed, teens often take unnecessary risks and will benefit from your experience and guidance when learning the rules of the road.

Choose A Safe Vehicle - Auto insurance premiums can be affected by the type of car your teen drives. Sports cars, two-doors and SUVs are often more expensive to insure. At Insurance Capital Group we recommend vehicles with high safety ratings. It will save your wallet and your worry.

Set Limits - Encourage your teen to recognize when he or she is unable to drive. Place limits on late-night driving to avoid your teen driving while tired. Limiting the number of passengers your teen carries can help cut down on distractions. Also, reiterate the potentially lifelong setbacks that can arise from driving under the influence, a DUI can mean the end of your teen's driving career and can cause auto insurance premiums to skyrocket.

Encourage Good Grades - Teens can play a major role in reducing auto insurance premiums before they even get behind the wheel. Many carriers will offer a "Good Student Discount" if your teen driver maintains good grades. Ask a licensed Insurance Capital Group agent if your teen qualifies.

As an independent insurance agency we're committed to reducing the cost of auto insurance while providing quality auto and motorcycle insurance policies to keep your teen safe. Contact Insurance Capital Group today:

Please contact Insurance Capital Group today to discuss your home insurance, auto insurance, commercial insurance, and health and life insurance needs. We offer a no-obligation consultation and free insurance quotes all of our clients. Call today - 866-946-QUOTE (866-946-7868)