Saturday, March 26, 2011

Getting Discount Car Insurance for Your Teenage Child Article Source:

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Getting discount car insurance can really be difficult these days especially if you are trying to secure one for the use of your teenage child. This is because insurance companies see teenage drivers to be high risk drivers as they are more prone to accidents. Teenagers are the ones who are involved in vehicular accidents most of the time as they have a tendency to be reckless when they are on the road. So, to help you get the most reasonable rate for your child's car insurance, here are some simple tips:

Because teens are considered as high risk drivers but if you keep on reminding your child to keep a clean driving record, them getting discount car insurance is possible. Just make sure that before you get the insurance, your child has never been issued with any traffic violation tickets. It will also help if your child has never been involved in any road accidents as this may help prove that he or she is a responsible driver.

At the same time, a teenage driver who took formal driving lessons has a higher chance of getting discount insurance as companies can assume that the child has learned safety measures and defensive driving in class.

Getting your child a safe vehicle is also one great factor that can help you secure an insurance at a discounted price. Vehicles that are considered safe have lower rates when it comes to car insurance. It will also be better if the car was previously owned as this will help lessen the price you have to pay for the policy too.

If you have an existing insurance policy with the company that you wish to get the car insurance from, then perhaps you can ask them to add your child's car insurance to your existing one. This way, it can serve as an add on or extension so that you no longer have to pay for a standalone policy.

But if you plan on getting from a different company, then make sure that you have at least two to three options. Secure quotations from each of the companies so that you have basis for comparison when you evaluate which one to patronize. List down all the things that you like about the policy as well as the clauses so that you can negotiate with the company. By doing so, you can choose the company that can give you discount car insurance along with the most reliable service possible.

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