Insurance Information

by Krista Farmer

Purchasing cheap auto insurance for your young driver can be a breeze - if you know where to look!
Prom dresses. Football camp. School uniforms. Cell phone bills. Birthdays. Specifically, 16th birthdays. The upkeep of teenagers' expenses can be financially disheartening. Fortunately, quality auto insurance is one purchase that parents can find in the bargain bin. Yes, it is possible to find cheap auto insurance if the shopper is looking in the right places. Today's consumer has many online options to find whatever he or she is looking for, including auto insurance, and can comparison shop with the click of a button.
"But my son JUST turned sixteen. He's still learning the rules of the road. Is it possible to find cheap insurance for my young, inexperienced driver?"
Because young drivers are considered "at risk" drivers, you might think cheap insurance isn't an option. If you know where to shop, however, you may find a perfectly reasonable price for auto insurance. There are several insurance comparison web sites that allow you to quickly get an insurance quote - whether you're looking for health, life, home owner's or auto coverage. In this case, there are a few things you might consider while shopping for auto insurance at a reduced rate:
1) While you're on the lookout for your perfect policy, keep in mind that you can probably add your teenager to YOUR auto insurance policy. This will be much cheaper than having your child purchase his or her own policy.
2) Encourage your child to do well in school. Many insurance companies will offer a good student discount on auto insurance. Whether the student is in college or high school, often if he or she is making at least a B average, makes honor roll or is on the Dean's list, the student will be eligible for a discount. Companies base this reduction on the idea that good students are better drivers.
3) Most importantly, let your teenager observe your good driving habits - they learn by example. If your teenager sees your seatbelt dangling next to the car door, you are giving him or her a reason to ignore it when he or she gets behind the wheel.
While you are bargain hunting for auto insurance, remember to think about the price AND the package. Do not strictly base your purchase on the price tag alone. You want your young driver covered in the event of an accident. It is important to know what you are paying for and you want to be sure the policy contains all the coverage you want or need. Consider the amount of coverage you're paying for. You will be financially responsible for your young driver's wreck if the policy limit is too low - meaning you will have to pay for damages out-of-pocket.
Regardless of where you purchase your insurance, keep in mind that there are web sites that were created to assist you in your search for reasonable insurance. You have endless opportunities to find cheap auto insurance for your teenager if you take advantage of them. Happy hunting!
HometownQuotes, a Franklin, Tennessee company, provides a quick and easy way for consumers to compare multiple insurance quotes. To learn more, visit http://www.hometownquotes.com.

About the Author
Krista is the Director of Public Relations for HometownQuotes.com. She received her Bachelor of Science from Belmont University in Nashville, TN. She is a member of PRSA and PRSA Young Professionals.

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