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Getting a quote for cheap car insurance for a new driver can be tough. A young, first time, teenaged driver behind the wheel of the auto simply doesn’t cause companies to queue with the best rates. I have compiled 10 crucial, must-read tips for parents for just this situation. While you are looking for affordable car insurance quotes, you need to make sure that you get the most comprehensive coverage possible. It is vital to check out the policy thoroughly - including the fine print. If you are not careful, what seems like cheap car insurance for a new, young driver, may turn out to be very costly in the event of a serious accident.

It is an unfortunate fact that claim rates are higher when it comes to teenaged drivers. Young people can be up to 10 times more likely to make an accident. They simply don’t have the experience and the maturity that adults have. It is inevitable that they form a high risk group. When you compare auto insurance rates, you may find that premiums go up drastically if you add a teenager to the policy. However, there are ways to minimize this expense and to make sure you continue to get the benefits of cheap auto insurance for a new, first time driver.

1. Car Model Mechanics

Unfortunately no teen is going to opt for the practical, safe vehicle when choosing a set of wheels. The auto that is going to catch his or her fancy, is likely to be a sassy, shiny sports car. If you want to keep the auto insurance quote cheap, you will have to convince your kid to settle for an older, heavier vehicle. To be sure, this move won’t win you the ‘dad-of-the-year’ award, but your main concern remains the safety of your child. By choosing the car wisely, both your worry rate and the car insurance rate for the new driver will drop significantly. You can probably get a list of the less lethal auto choices from your insurance company.

2. Remember You Are The Role Model

Many parents set really bad examples while driving. This covers from following road rules to exhibiting soft forms of road rage. Keep in mind that, from baby days, your kid is getting his or her cues about driving behavior from you. If you ‘forget’ to wear your seat belt, so will they. If you get impatient with other drivers, so will they. If your following distances are dangerous, they will probably display the same behavior. If they become used to a speeding parent, don’t be surprised if they become speeding teens. Your behavior plays a massive role in their future driving habits.

3. Seat Belt Decree

Your teen has to know that all driving privileges will be suspended immediately if he or she is caught driving without a seat belt. Using a seat belt is one of the most important safety measures. It is also your teen’s responsibility to make sure that passengers are buckled in before the key is turned. You may be lucky enough to find an insurance company that will be more willing to look at cheaper car insurance for a new driver if your teen signs a seat belt wearing undertaking.

4. Don’t Allow Distractions

Your teen needs to understand that a car can become a deadly weapon in an instant. When he or she is driving, there should be no distractions. All eyes and ears should be focused on the road at all times. Make it part of your contract that answering cell phone calls in the car is a total no-no, even if a hands-off set is available. Concentrating when there are unruly friends in the car, may be hard. Carrying passengers may increase the risk of accident by up to three times. So, it may be prudent to say no to passengers in the first months of driving. This can help you to get cheap car insurance for a new driver. Some states even have laws that make it illegal for a teenager to have more than one passenger in the car. Late at night and early in the morning drives also carry more risk. Don’t allow this at first.

5. Spotless History

Young people behind an auto wheel may not always understand how vital it is to keep their driving record spotless. The same usually applies to credit records and teens. You need to convince them of the highly damaging long-term effect any kind of black mark will have. Get them to sign some sort of contract that clearly stipulates the consequences if they get speeding tickets or are involved in fender-benders. Any such incident will cause your premium to go up and your teen should know that they will have to take responsibility in these events. Expect your kid to contribute to the premium to ensure greater responsibility.

Make the successful completion of a course at a reliable driving school a condition for driving. Defensive Driver Programs are excellent - you can even do this with your child. It may very well save a life at some point. A whole range of eventualities are covered, from safe following distances, to bad weather driving, avoiding rear-end collisions and emergency brake procedures. Successful completion of such a course may go a long way towards ensuring cheap car insurance for the new, young driver.

6. Do Look At Driver Status

It may be possible to register your teen as an occasional driver when applying for cheap car insurance for a young driver. This is one way to ensure a lower payment. At first, you will have to add your children to your policy. However, after a year or two, it may be wise to get them to arrange their own coverage. This is one way of ensuring greater responsibility.

7. What Grades Have Got To Do With It

Some insurance companies take a teen’s grades into account. Good grades are seen as a sign of responsibility. This may help to lower your premium. So, here you can add another bit of leverage to your parenting. Make it a proviso that your teen will have to get a B average or higher before getting a driver’s licence.

8. Maximize Liability Coverage

You may be tempted to limit liability coverage when taking out cheap car insurance for a new driver. Never, ever skimp on this facet, especially if it concerns a young, first time driver. It is crucial to get the most comprehensive liability coverage you can afford. An umbrella policy is a good idea. You will be grateful for every cent in the unfortunate event of an accident.

9. Mind Your Own Business

If you have your own business, you may avoid premium penalties altogether. Your teen may be able to drive a company car without causing a hike in premiums. Enquire about this when making your arrangements.

10. Adopt Adult Attitudes

Remember that this isn’t all just about getting auto insurance on line quotes for cheap car insurance for the new driver. Drive home the fact that a mature, adult attitude is required if your teen wants to get behind the wheel of a car. Dangerous driving has disastrous consequences. A serious mishap may cause you to jump into a high risk category at your insurer, bringing with it far-reaching financial implications, not to mention the physical harm that could result. Teach through example that patience and concentration are vital while on the road.

If you do some homework, you won’t necessarily be saddled with sky-high premiums when looking for cheap car insurance for a new driver.

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