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See insurance rates increase perhaps as much as 96% when your child graduates driver training program and gets behind the wheel of his car. Ouch! Why?
A spokesman for the Property Casualty Insurers Association of America, said Joe Annotti teenage drivers about "The first month, are well, then they think they know everything about driving and safety. . . (and) very soon that is flying 60 mph in a street again to get to school. "
The statistics are not good for the accident and remains the # 1 cause of death in children 15 to 20 and adolescents under age 25 are three times more likely to die in a car accident.
No wonder the car insurance rates rose from 50% to 200% the same time you add a driver teenager to your insurance policy. The automobile insurance companies are not only willing to handle that risk with your financial aid.
There are a couple of things you may want to consider reducing the amount may raise its rates before your teenage driver is driving.
1. Discover how your company insurer assigns drivers to cars. This differs from insurer to insurer and can make a big difference in the premium you pay. You may want to consider cheaper to get a car for his son to drive, such as an old beater that is in the driveway most of the time. Sometimes it may be less expensive than the double or triple insurance premiums in their new luxury car or his son will drive. Or if you have an older car and the car back into the family, see if your car insurance provider will assign the teen to the older cars, thereby reducing their costs. If not, you may want to change company insurance.
2. A straight A student in many cases can not handle better than the C student, but many insurance companies offer a 10% to 25% off teens who maintain a B average or better. Why? These children are regarded as risks to future. "Long term, who want a student as a customer, "said Joe Annotti. Better students are seen as" most responsible ".
3. Have your teen take Drivers Education vs. the short courses. Short term courses are not effective in reducing accidents in the future, according to studies published by the American Journal of Preventive Medicine, but the auto insurance companies reduce their costs from 5% to 15%. Go figure.
4. Raising your deductible should reduce your premium by 35%. Ron Lovatt of the Automobile Club of Southern California increased its deductible from $ 500 to $ 2,000, when her daughter began driving. Just makes good financial sense to raise the deductible to reduce the current premium. It may be the rational idea, regardless of teenage drivers.
5. If your child enters college and not have a car to your available, take them off your policy. However, he knows that his son will not drive during this time, ever, regardless of the car. If driving without insurance and cause an accident can be sued.
6. No report of the fender-bender to your insurance company. If he does report that will no doubt increase your premium. More will probably be cheaper to pay for minor repairs or maybe you think your wage for teenagers. Ouch!
It should not be no surprise to find low rates and superior coverage auto insurance comes with knowing something about what other companies are offering and at what cost. The Smart Shopper find the best rates to suit your needs.
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Article Source: ArticlesBase.com – Cheap Auto Insurance For Your Teen Or Maybe Not!
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