| Shop Around | | | | will be money well spent. |
| The insurance rates for new drivers can vary | | | | |
| quite a bit, so it definitely pays to shop around as | | | | Choose Your Car Wisely |
| much as possible. Using an insurance comparison | | | | The type of car your child drives can have a |
| site is one of the best ways to gather competing | | | | significant impact on those teen driver rates as |
| quotes quickly – these sites allow you to | | | | well. While your 16 year old son or daughter |
| enter your information just once and get dozens | | | | may crave a shiny new sports car for his or her |
| of quotes from insurance companies. | | | | birthday, indulging those wishes could cost you |
| | | | more than you realize. Not only will you be out |
| But even though those insurance comparison sites | | | | the price of the vehicle, but you will likely also be |
| are a great start, they may not provide you with | | | | paying significantly higher car insurance rates for |
| all of the available options. It is always a good | | | | many years to come. That is because insurance |
| idea to sit down with the phone book and look up | | | | companies see sports cars and high performance |
| all the car insurers doing business in your state. | | | | vehicles as higher risks, and they price their |
| Make sure you have a quote from each one of | | | | policies accordingly. |
| those companies, either form the insurance | | | | |
| comparison website or directly from the | | | | So instead of that shiny new Dodge Charger or |
| company. Only after you have information from | | | | Chevy Camaro, consider buying your son or |
| all insurance companies doing business in your | | | | daughter a safe and sturdy vehicle from an earlier |
| state will you able to make an intelligent and | | | | vintage. Buying a car with a reputation for |
| informed decision. | | | | safety will help to lower your car insurance rates |
| | | | | significantly, even with a brand new driver in the |
| The Importance of Education | | | | house. |
| Even if you feel you have the skills to teach your | | | | |
| teen to drive, it may be worth your while to | | | | You can lower your car insurance rates even |
| enroll your new driver in a driver education | | | | further by choosing a quality used car for your |
| course. Many insurance companies offer | | | | teenaged driver. Often the insurance rates for |
| discounts to drivers who complete an approved | | | | older cars are lower than those for newer model |
| driver education course, and these savings could | | | | vehicles. This difference can be particularly |
| be quite significant over the course of a year. | | | | striking if you need to carry collision and |
| | | | | comprehensive coverage on your vehicle. |
| Be sure to check with your child's school to see if | | | | |
| a driver education course is offered as part of | | | | By taking these factors into account, you can |
| the curriculum. In some cases these driver | | | | lower the rates your teenage son or daughter will |
| education courses will be offered free of charge, | | | | need to pay on the car insurance they need. |
| while in other cases there will be a nominal charge | | | | Proper car insurance is a must for new drivers, |
| for those services. Either way the money you | | | | but by shopping around you can reduce the bite |
| spend on this critical part of your child's education | | | | on your wallet. |
