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While parents are often excited when their teens can finally drive themselves around, insuring a teenager can also be expensive. Adding even one teenager to an existing policy can increase the premium by an average of 78 percent. Premiums tend to be high for teenage drivers because they statistically have more accidents than older drivers with experience. The good news is there are many ways to save on seguro de auto en ciudad nacional cobertura para un conductor adolescente.
Sign Up for Driver’s Education
California requires teenagers up to age 17.5 to complete an approved driver’s education course before getting a permit. Even when driver’s education isn’t required, it’s still worthwhile. Driver’s education and driver safety classes are promoted as a way to teach inexperienced drivers the rules of the road. Studies have found that driver safety classes can reduce the risk of a collision, and they can also qualify your teen for a discount of up to 15 percent.
Sacar buenas notas
Muchas compañías de seguros ofrecen descuentos considerables para los adolescentes que están inscritos a tiempo completo en la universidad, la escuela secundaria o un programa académico de estudio en el hogar y obtienen buenas calificaciones. Este descuento puede valer hasta un 20 por ciento, pero los estudiantes generalmente deben alcanzar un promedio B o más alto para todas las materias combinadas para calificar o evaluar en el 20 por ciento superior en una prueba estandarizada.
Elige el auto con cuidado
For most teenagers, their first car is usually a gently used sedan. Before buying your teenager’s first car, do your research and check safety and theft ratings, which could affect the teen’s safety as well as your insurance premiums. Ask your agent if a newer or older vehicle will likely have the best premium. Older cars usually have lower insurance premiums, but newer cars have built-in savings in the form of anti-theft devices and better safety ratings that can lower premiums.
Obtenga un descuento de conductor distante durante la universidad
Cuando su hijo vaya a la universidad, infórmele a su compañía de seguros. La mayoría de las compañías de seguros ofrecen un descuento de conductor distante para eliminar temporalmente a su hijo adolescente de su póliza de seguro cuando él o ella están en la universidad y han dejado el automóvil. El adolescente generalmente necesita estar al menos a 100 millas de distancia de su hogar para calificar para el descuento. Una vez que un estudiante universitario alcanza la edad de 23-25 años, dependiendo de la compañía de seguros, ya no será elegible para un descuento para estudiantes distantes.
Considere un dispositivo de monitoreo
A growing number of insurance companies offer telematics devices to potentially reduce premiums. These devices track driving habits, including miles driven, speed, hours on the road, and how often brakes are applied hard. Drivers who meet certain benchmarks and demonstrate safe driving can save up to 30 percent. Some insurers specifically target teen drivers with driving monitored by a telematics device. Along with saving money on insurance premiums, these devices can be a good way to monitor your teen’s driving habits.
Ya sea que necesite cobertura para un adolescente o para usted mismo, hay una variedad de formas de ahorrar en auto y motorcycle insurance in National City. Call Altra Insurance Services today at (619) 404-6311 for a complimentary quote.