Jeff Walker :I am looking for cheap car insurance for teen auto insurance. My friend told me that I should go for a higher deductible? Please let me know how this would help in getting a cheap teen auto insurance quote and what the deductible is?

Teen auto insurance : Higher deductible

Response : Teen auto insurance is normally very expensive and so intially till you can establish a good driving record, one sure way to reduce the teen auto insurance quote is going for higher dedcutible. A deductible does not mean that the teen auto insurance premium is reduced by this amount of deductible that you opt for. It only means that if you opt for a deductible of $500 than the teen auto insurance premium is reduced by 5%. In case you go for a higher deductible of $1000/- than the discount on the premium is by 10%.

Let me explain to you what a deductible is. A deductible is the amount which you will bear and pay out of your pocket before the insurance company starts paying you in case of a claim. Thus if you meet with an accident and have to pay $5000/- for your car repairs than you would be paying $1000/- out of your pocket and the insurance company will pay the rest $4000/-

This is why your teen auto insurance remium is reduced or you get cheap teen auto insurance and the insurance company gives you a discount. The insurance company saves money on a claim and so it offers a discount. Secondly, you have to keep in mind that the incentive for a cheap teen auto insurance premium in terms of discount is given since you would not be placing smaller claims of les than $1000/- with the insurance company. Thus the insurance company will save money for smaller claims since its adminsitrative expense will be nil in case of small claims.

Also it has been observed that once you have to pay a deductible than the drivers are very careful since they are going to bear a cost of the claim. Thus this is a positive ploy employed by the insurance company to encourage good driving and discourage bad driving habits. This is very important for teen drivers. It would be one best way to save money and have cheap teen auto insurance and to improve your own driving.

Drive carefully and enjoy your savings.

Thanks.
Kamlesh

Tanya : What can I do to help my teenager son drive and get a low auto insurance quote?

Tanya, your involvement will save the teenager’s life and also save your own money. The teenager’s auto insurance quote will depend on his driving history.

As a parent it is most important role for the parent to guide your teenager especially in driving a care. The biggest mistake that most parents make is that they are very critical with the child or too liberal. You need to help and guide him with his driving at the same time setting down certain norms firmly once you explain the importance of each of the regulations:

• Know the norms applicable in the state you live for the teenagers and you should encourage the young driver to follow them
• Restrict them for night driving.
• Restrict passengers driving with the student since they get easily distracted by the passengers and can be easily coaxed into speeding or breaking the norms with their peers.
• Prohibit them to drive when they are drunk.
• Ensure that the seat belt is put on at all times.

Most importantly you are the role model for your college going youth and so you need to ensure that you are practicing all the applicable traffic rules.