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.
2. 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
