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Guide For Teenage Drivers On How To Obtain Cheap Auto Insurance in Virginia

Virginia car insurance was a long time nightmare for teenage drivers who were faced with some of the highest premiums in the country. However, nowadays that is not as big as in the past and most of the teenage drivers with few smart movies can obtain relatively cheap car insurance rates. The premiums won’t be as low as the experience drivers have, but pretty decent considering that teens are the riskiest age group. Most teens can save if they stick to few simple rules and try to stay out of troubles on the road. Here are the best ways for teenage drivers to decrease their premiums to the lowest possible level.

The first and most important advice that a teen driver can get is to stay out of troubles on the road. Teenagers love to party and that is a known fact, as it is known that at that period they experience alcohol for the first time among many things. The thing is that many teenagers go to those parties driving, showing up with style as they like to point out. Not that there is something wrong with that but good percentage of those teenagers at the end of the party while driving home, often driving under the influence end up as a statistical number. Those are the same statistics that insurers use to prove that teenage drivers deserve the high premiums. The Virginia law for teenage drivers has zero tolerance for dui driving. If caught under the influence you can make your premiums to stay high for a really long period. Aside, that here are few good ways to lower your premiums if you are a teenage driver:

–              The defensive driving course is something that is highly recommendable for teenage drivers. Any insurer that operates in VA is obligated to give a discount to any driver, teens included, that can prove that have passed at a state approved educational center.

–              Teenagers with grade average B or higher often get discounts. Many car insurers in VA see this as a sign of stability and award the teens with a discount on their car insurance premiums.

–              Adding an experienced driver to the policy as a second driver with clean record can further more decrease the premiums.

–              Most teenage drivers in average drive less than 10.000 miles per year. Tell that to your insurance agent and he will surely approve you a discount.

–              If you have some safety features installed in your car you need to point out that to your insurance agent and he can give you a discount on that as well.

–              If you have an alarm system you qualify for a discount also. It won’t be a discount but if you are a teenager every dollar counts.

–              Getting free quotes from multiple insurance companies is something that can mean a great deal for your car insurance premiums. All that you need to do is to enter your zip above on this same page and you can compare multiple free quotes. There is no better and faster way to find cheap Virginia car insurance.

Top Tips For Teenagers Purchasing VA Auto Insurance

Research has proved that 16 year olds have three times the crash rate of 19 year olds and six times of that of 20 year olds. These statistics make it mandatory for teenagers to have Virginia cheap car insurance to safeguard their lives. The costs of a car insurance plan can more than double if a teenager is added to it. However, there are several ways of reducing this cost.

1. Good grades

Better grades or an improved grade point average can have benefits that would affect the auto insurance plan that you would be offered by car insurance companies in VA.  The best part about getting consistent good grades at school is that it can provide discounts on your car insurance ranging from 5 percent up to 25 percent. This discount comes about the notion that a student having good grades is a responsible and mature student and that results in them being responsible drivers as well.

affordableVirginiaCarInsurance2. Driver’s education courses

Teenagers can also reduce their car insurance costs by taking a driver’s education course while at school or through an outside company. This particular aspect is going to have a major impact over their car insurance plans and policies. Depending on the discount amount and course approval, insurance companies often provide up to 15 percent discount for taking such courses in the state of Virginia.

3. Having a safe car

Small cars, trucks, sports cars and even SUVS are some of the many types of cars present on the market today. However, all these types are dangerous for teenagers. Each has its drawback with small cars having little protection, trucks and SUVS being prone to rollovers and sports cars generally discourage safety and teenagers are prone to causing accidents while driving around in them.

Purchasing a safer car can also help reduce insurance rates that you would be offered by car insurance companies in VA. Safety protection features should be looked for in cars as they lower VA car insurance rates.

4. Driving an older car

Past records have proven that it’s harder to drive older cars recklessly and they are also less likely to cause an accident, this leads to customers doing away with collision coverage from their insurance policies. Due to this fact, insurance company’s usually giving much lower rates to teenagers with old and heavy cars. Both the factors of not having to put in collision coverage and also having an older car, the cost of the insurance plan would go down significantly. Furthermore, usually companies associate the most expensive insured driver, likely to be the youngest, to the most expensive insured car. To counter this policy it is recommended that the teenager be given a less expensive older car. Even if the car stays idle most of the time, it will at least provide you with lower auto insurance payments.

In any case, when adding a teenager to your VA car insurance plan, it is very important to compare rates between companies. Never can it be enough to teach a teenager the responsibility of driving safely on the road. Taking these precautionary measures would enable you to avail cheap Virginia car insurance. To acquire information about the best quotes available around you, just enter your zip code in the box given above