Tips for New Drivers and their Families

Sooner or later a teenager will need to have a car.

There is no way this can be avoided, if cars are the

best way to commute in the place they live. But

wanting to have a car doesn't make it an easy process.

It is not only about buying a car; it is also about

buying an insurance. It is a recurring cost as fuel

price, servicing, repair, and insurance has to be paid

regularly. If you are looking for a car insurance for

your teenager, there are things you will have to know.

To start with insurance premiums for a new driver is higher than an experienced driver.

This is because the new driver has no driving record and so the insurance company is

gambling on that person. Insurance companies do not like to get involved in payouts and

with young drivers this is more likely to be the case. Hence, higher premium rates are

charged to cover the cost of providing coverage for a new driver. Statistics show that new

drivers are more prone to traffic violations and road accidents. So if you are adding a

new driver or drivers to your existing insurance policy, your premium will almost get

doubled.

Gender plays a role in determining how much you have to

pay when it comes to adding a new driver to your policy.

Believe it or not, if you are adding a girl driver to your

insurance policy, you will be paying a little less than that

for a male driver. Why? Because it is often seen that it is

boys who are generally rash drivers and inclined to take

risks. This is why you see more young male drivers

involved in accidents. For insurance companies young

female drivers pose lesser risk than their male counterparts.

If you are looking for ways to reduce the amount of premium you pay after adding a

young driver to your policy, you can take some measures. For instance you can get your

new driver an old car instead of a new car. Old cars are cheaper to repair and insurance

premium can also be cheaper.

Keeping a clean driving record is also very important. It is very essential that the drivers

develop good driving habits, as this only will help them build a good driving record. And

once your teenager builds a good record, you will be able to reduce the premium you pay.