Ah, yor teenager finally turned 16 and passed drivers traing and you are thankful you dont have to drop them off and pick them up anymore from school and the mall!
However, that glorious feeling is quickly disipated when you get your michigan auto insurance bill from your insurance company and WOW-We….are you kiddding me? This can’t be right. How can these companies charge so much for my little princess, heck she is a safe driver. She even learned from the best….yours truly.
Well, to help you off set your skyrocketed insurance premiums, RateElert, has coming up with the following tips to save on Michigan Car Insurance for that special teenage driver in your life:
Alcohol & drug use
Driving under the influence can be a major problem for young drivers. Even small amounts of alcohol or drugs will affect driving ability, which can be deadly for anyone, let alone a young, inexperienced driver. Most states have strict laws governing underage drinking. Let your teen know that he or she could injure or kill someone when driving under the influence of alcohol or drugs. Also, a DUI on your teen’s driving record could make his or her auto insurance unaffordable.
Emphasize that your young driver should feel free to call you anytime he/she feels unable to drive, or whenever he/she is with another driver who’s unable to drive.
Inexperience and risk-taking—a deadly combination
With less driving experience, young drivers are less able to detect and respond to hazards, control a vehicle, and manage speed accordingly. They’re also more likely to take risks (driving too fast, cutting lanes, etc.) than more experienced drivers, especially when there are friends in the car. Generally, auto insurance premiums are higher for this age group because of their lack of driving experience and risk-taking attitude.
Help your teen be a safer driver by setting a good example with your driving habits and making sure he or she gets plenty of supervised driving practice. Also, when your teen’s a newly licensed driver, limit the number of friends (if any at all) that can be in the car when they drive.
Lack of seat belt use
Young drivers only use seat belts about 75% of the time. Without restraints, the risk of injury to a young driver involved in a severe crash more than triples. Make sure your teen always buckles up to avoid injury. (An added bonus of buckling up every time is that your teen will avoid getting tickets that will increase his or her auto insurance premium.)
Since young drivers tend to drive more at night than during the day, they’re more prone to fatigue. Driving and fatigue NEVER mix. Due to decreased visibility at night, it’s also tougher for any driver to stay safe when it’s dark. When teens first start driving, it’s a good idea to place limits on late-night driving. By doing this, you may save your teen from an accident and an auto insurance claim.
The best way to save is to get multiple quotes from at least 3 auto insurance companies. Call around and ask your friends who they go through or for a fast way to compare rates go online and let your mouse do the shopping for you to find the best deals on car insurance for teenagers.