As a teenager, getting your permit and then your driver’s license is a major milestone in your life. You’ve studied hard, listened to your parents, taken the test, and now you’re sitting behind the wheel of your very own car with your driver’s license in your hand.
You have a part-time job to get your own insurance policy and have asked questions like “Am I covered on my parents’ car insurance?” and other car-related questions of the insurer you’re considering. While it’s possible to be on your parent’s policy, you’ve decided you want your own policy through the same insurance company your parents use. Insurance policies can get a little confusing and hard for a young driver to understand. In this article, you’ll find everything you need to know about obtaining car insurance through the right insurer, as a young driver just starting on the road.
You’re young and inexperienced.
If you’re wondering why the insurer set your rates higher than the rates on your parent’s policy, it’s because you’re inexperienced and young. You’ve just been handed your driver’s license, so you don’t have as much experience behind the wheel as your parents or other people who are older than you are. There are still quite a few things that you’re too young and inexperienced to make decisions on. For example, you can’t decide that you want to get a new tattoo without your parent’s permission.
This is a good thing because years down the road, when you’re an adult, you could regret that choice and end up searching for tattoo removal Austin TX options to have it removed. If you know someone who is looking to have a tattoo removed, however, it’s a good idea to have them talk to the laser tattoo removal specialists to make an appointment for tattoo removal themselves.
Save money by taking a driver’s education class.
While you may have a part-time job to pay your insurance premiums, car insurance for a teenager is high, so you’re going to want to save money where you can. Many insurance companies offer discounts for taking a driver’s education class. Seeing the certificate you get after completing the course shows the insurer that you’ve taken the time to learn the rules of the road and practice your driving and safety rules. They reward you for that with discounts on your car insurance.
Earning better grades will earn you cheaper insurance.
Hitting the books can help you save on hitting the road with cheaper insurance. Showing the insurance company that you’re responsible enough to study and know how important good grades are to your future goes a long way towards the insurer realizing you’re old enough to be on the road. Now, you have more reasons than getting into a good college to strive for those good grades you’ve been making.
Safer cars are better options.
As a teen driver, the safer the car you’re driving is, the safer you’ll be, and the lower your insurance premiums will be. For example, you’re going to pay a lot higher premiums if you’re driving a candy-red sports car than if you’re driving a dependable Ford that doesn’t go zipping down the road. While you may think that the Ford isn’t cool, you’ll think the monthly payments are when they start rolling in and you have to pay them.
These are just a few of the things you need to know about insurance as a teen driver. You have your license, now get out there and show the insurance company and your parents that you deserve to be on the road.