Teen Drivers and New Jersey Commercial Auto Insurance
All parents of teenagers get anxious about their kids becoming drivers. Driving is a privilege and kids have to understand the dangers associated with not learning the necessary skills to be a good driver. Thankfully, there are some easy ways parents in New Jersey can reduce the high cost of insuring a teen driver.
Since most parents will simply add their teen drivers to their own policies (because it’s generally a less expensive option), many teen drivers don’t have to worry about getting their own auto insurance policy. But because they present more of a risk, new jersey commercial auto insurance rates are generally going to be higher for teenage drivers.
There are plenty of steps that will allow both teens and parents to maintain affordable premiums.
Tips to save money on car insurance for teens
The fact is that due to a lack of driving experience, many teens are facing situations for the first time that could cause accidents. Distracted driving tops the list of reasons why young drivers are involved in collisions and why rates for younger motorists remain quite high. But there are ways to help reduce the expense of auto insurance.
Many auto insurance companies offer good student discounts, which are discounts for teen drivers who make a certain grade point average (usually a B average and up). Having your teen enroll in a driver’s education program can help reduce insurance costs as well.
Certain states require teens to complete a drivers education course and many providers offer discounts for successfully completing the course, which means teens will be rewarded for their efforts. Taking an additional driver training course can’t hurt either.
Depending on which auto insurance companies that you contact, an additional drivers training course could result in additional discounts on your premium. The extra training also brings instant and future benefits as far as safe driving is concerned. Teens should own a safe, reliable starter car. Newer models and racing-style cars are more expensive to insure than older models or the more practical models available. This can be a very important consideration.
Finally, by paying a higher deductible, parents can help to lower new jersey commercial auto insurance rates overall. But practicing safe driving and not getting into accidents is the only way to keep the cost of insurance low. Speak to a reputable agent today.