Must Know Auto Insurance Tips For Car Smart Teens

FOR CAR SMART TEENS

MUST KNOW

AUTO INSURANCE TIPS

www.WBRInsurance.com

http://www.WBRInsurance.com


Having a teen on the road for the first time is enough to worry about without having to add AUTO INSURANCE to the list. Parents, here are some TIPS to help your new driver SAVE BIG and keep you focused on more important things… Like parallel parking practice.



Avoid luxury and sports cars right off the bat. Teens should be modest with their first car purchase. Insurance companies favor teenagers who DRIVE SAFER and have more economical cars.

CHOOSING A FIRST VEHICLE



GOOD GRADES in school could qualify your teen for insurance DISCOUNTS and special academic rates.

MAKE THE GRADE IN THE CLASSROOM AND ON THE ROAD



ESTABLISH ROAD RULES

PLACE TEMPORARY restrictions on driving with other passengers and driving at night. PRIORITIZING SAFETY can help keep insurance rates from going up.



MULTILINE DISCOUNTS

BUNDLING POLICIES—such as home, auto and life insurance products with one insurance company is a great way to SAVE MONEY on the overall cost of insurance.



SLOW DOWN, STICK AROUND

Nothing can hurt a teen’s DRIVING RECORD like moving violations. Speeding tickets, reckless driving and ignoring stop signs tell insurance companies that the driver is HIGH RISK.


TAKE A DRIVER’S EDUCATION COURSE

Some insurance companies also offer a DISCOUNT for anyone that’s ever taken a driver’s education course. If you take one after the policy is issued, check with your insurance agent to find out what steps to take to GET CREDIT.




DEDUCTIBLE OPTIONS

Having a HIGHER DEDUCTIBLE on an auto policy, combined with programs such as VANISHING DEDUCTIBLE and ACCIDENT FORGIVENESS, can keep out-of-pocket expenses stable. For example, those who can afford to pay $500 when a claim occurs may want to select this as their deductible amount in order to lower insurance premiums.



INVESTIGATE A FAMILY PLAN OPTION

Check to see if your insurer provides a family plan that provides discounts earned by the adults in a household to their teen driver(s). Discounts extended to teens as a part of the family plan include multi-car, multi-policy and financial responsibility. These REDUCTIONS can help SAVE up to 25% on auto insurance premiums.



AUTO-DRAFT INSURANCE PAYMENTS

Having your payments made ELECTRONICALLY, not only helps you avoid late fees, but you may also receive a small DISCOUNT.



To LEARN MORE and START PLANNING There’s no time like the present. If your teen is approaching the legal driving age, meet with an agent to discuss your options.

MEET WITH AN INSURANCE AGENT



31% of U.S. drivers ages 18-64 reported that they had read or sent text messages or email messages while driving at least once within the 30 days before they were surveyed. Texting while driving is found to be as DANGEROUS as drunk driving and can have DETRIMENTAL EFFECTS on a new driving record.

KEEP YOUR PHONE AWAY AND ON SILENT

DON’T TEXT AND

DRIVE



Be careful that the BENEFITS associated with your insurance policy are SUITABLE for your teen’s driving history. Provisions such as courtesy cars, credit card perks, etc. may cause unnecessary additional expenses.

PURCHASE ONLY WHAT’S NEEDED



DRIVING for the first time can be an overwhelming experience for both parents and teens. Mistakes may happen along the way but having the proper INSURANCE COVERAGE can provide PEACE OF MIND for the many journeys up ahead.



SOURCES•http://www.wbrinsurance.com/2015/07/teen-drivers-selecting-auto-insurance-and-keeping-them-safe/

•http://www.dmv.org/insurance/how-to-save-money-on-teen-car-insurance.php

•http://www.autoinsurancecenter.com/auto-insurance-tips-for-teens.htm

•http://www.wbrinsurance.com/2015/09/five-rules-to-safer-teen-driving/

•http://www.wbrinsurance.com/2014/11/helpful-tips-for-discussing-texting-and-driving-with-your-teen/

•http://www.wbrinsurance.com/2011/10/cutting-the-cost-of-teen-drivers/

•http://www.dmv.org/insurance/teen-guide-to-car-insurance.php

•http://money.howstuffworks.com/personal-finance/auto-insurance/5-tips-for-buying-car-insurance-for-

teenagers.htm

•http://www.nationwide.com/teen-car-insurance.jsp

•http://www.cdc.gov/motorvehiclesafety/distracted_driving/

•http://www.teensmartdriving.com


http://www.dmv.org/insurance/how-to-save-money-on-teen-car-insurance.php

http://www.autoinsurancecenter.com/auto-insurance-tips-for-teens.htm

http://www.wbrinsurance.com/2015/09/five-rules-to-safer-teen-driving/

http://www.wbrinsurance.com/2014/11/helpful-tips-for-discussing-texting-and-driving-with-your-teen/

http://www.wbrinsurance.com/2011/10/cutting-the-cost-of-teen-drivers/

http://www.dmv.org/insurance/teen-guide-to-car-insurance.php

http://money.howstuffworks.com/personal-finance/auto-insurance/5-tips-for-buying-car-insurance-for-teenagers.htm

http://www.nationwide.com/teen-car-insurance.jsp

http://www.cdc.gov/motorvehiclesafety/distracted_driving/

http://www.teensmartdriving.com

Must Know Auto Insurance Tips For Car Smart Teens

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