Following too close - A generally safe and easy rule is to look at your
speed in km and stay at least that many feet behind the vehicle in front.
Vehicle Malfunction - Have regular checkups, particularly of wiper fluid,
brakes , and tires, and replace wiper blades whenever they are worn.
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Allstate Insurance Teen Driver
Things teenagers and parents can do to save money on
insurance rates.
Get on your parents' policy. It's usually cheaper to add a teenager
to their parents' policy, rather than be insured separately. Most companies
won't charge an additional premium until the teen is a licensed driver.
Parents need to inform their insurance agent or company that their teenager
is being added to the policy. Deliberate concealment could impact coverage.
Good grades pay off. Most insurers offer a discount, some as high
as 25%, for students who maintain a B average.
Driver experience. Graduated Driver Licensing law requires teens to
log 50 hours with an experienced driver, but taking a formal drivers
training course will likely save on insurance. Many companies offer
up to a 10% discount.
Penalties can land you back in the passenger seat. Death and injury
are the highest price drivers can pay for drinking and driving, but
even if you manage to survive, a D.U.I. ticket will cost teenagers big
time. As a teen driver, you'll likely be cancelled and if you can get
insurance, expect to pay a much higher rate for the next 3-5 years.
Traffic crashes and citations will also impact your premium. Rack up
more than three and teens face cancellation or non-renewal.
Drive an "insurance friendly" vehicle. Cars that are a favorite
target for thieves or are considered "high performance" have
much higher insurance costs. Ask for the rating on any car or truck
you want to purchase.
Safety features and crash worthiness. Don't assume an old clunker
is your best insurance bet. Newer makes and models are designed to be
safer and discounts may be available if you have automatic seatbelts
and/or airbags.
Shop around. Even for teens, rates can vary by hundreds of dollars.
Also, if you can afford it, ask for higher deductibles.
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