After learning how to drive, why must you watch your teen after they get behind the wheel while driving in the Sacramento area?
The spokesman for the Property Casualty Insurance Association of America said that at first the teens are careful in driving, and then gradually become reckless. The statistics shows that car crashes are the number one killer of teens.
That is why the car insurance rates increase 50% to 200% after adding your Sacramento teen driver to your insurance policy.
To reduce your insurance rates, you must consider some important things before your teen driver gets behind the wheel.
1. Find out how your car insurance assigns driver to cars. This can make a big difference in your premium. See if your insurer will reduce your cost if you pick a cheaper car or an old car for your teen to drive.
2. Many car insurance companies offer 10% to 25% discount to responsible Sacramento students.
3. Insurance companies will reduce your costs 5% to 15% if your teen has taken driver education class.
4. Raise your deductible to lower premium allowing other members of the family to drive regardless of teen drivers.
5. If you take your teen off your car insurance policy while in college, see to it that he won’t drive any car because if he causes an accident, you can be sued.
6. Do not report the fender-bender to your insurance company. It will be cheaper to pay for the minor repair yourself or have your teen pay for it. (make sure your follow the legal limits when reporting accidents and fender benders to your car insurance company or to the DMV)
Low cost insurance is available from any licensed agent at a cost of just over 0 per year. More information about the program is available at the state department of insurance website or search this site to get car insurance sacramento