Getting insurance that provides all of the coverage that is necessary can result in extremely high insurance costs for seventeen year old drivers.
Seventeen is a difficult age because this is a period in life when teenagers are becoming adults and, while they may be mature for their age, they do not always have the experience and skill driving a vehicle that an older and more mature driver may have.
There are a few steps to cut down car insurance costs for seventeen year old drivers that will help to ensure the young drivers safety as well as allow the driver to develop the skills necessary to achieve lower insurance rates.
It is important that if the young driver is living at home, or going to school and still be supported by their parents that the discussion of car insurance be discussed together as a family.
The decisions that are made regarding insurance costs for seventeen year old drivers will have an impact on every member of the family and every driver within the family unit.
The first steps to cut down car insurance costs for seventeen year old drivers is to call your established insurance carrier.
Your insurance representative will review your policy with you as well as alternative available for you and your young driver to reduce the premiums or rates for coverage.
While there are some methods that are well known for reducing rates you may be surprised to learn of special discounts available only through your established insurance company.
Once your insurance representative has reviewed your policy with you it may result in adding your young driver to your established insurance policy.
This is one of the easiest steps to cut down car insurance costs for seventeen year old drivers.
The benefit of adding your teen to your policy is that they are then covered for any of your vehicles that they drive.
If they are in an accident in the family sedan, you will not have to worry about whether or not they paid their insurance premium that month.
When young drivers are first starting out, it takes them a bit of time to get used to paying a monthly insurance premium until they have an accident and realize the import of the coverage.
There is another benefit of contacting your established Insurance Carrier regarding what steps to cut down car insurance costs for seventeen year old drivers you can take.
Your established insurance carrier probably provides driving courses which, when completed, will allow you or your teen a discount on their insurance coverage.
The driving course benefits you in two ways.
First, the course is very detailed and specific to the area where you live.
If you live in a city where there is a lot of traffic, the driving course offered by your established insurance carrier will provide training for situations that arise in that environment.
If you live in a rural area where there are more road hazards related to animals in the road or disrepair, the training will focus on rural driving hazards.
In either case, the insurance sponsored driving course will teach your young driver how to react appropriately in many different driving conditions.
And, the course also focuses on safety and the importance of following the rules of the road.
These courses are much more detailed than that general driver training courses given in many schools and the student must be able to pass an examination and driving test to pass the course.
Once the insurance company sponsored driving course has been successfully passed, the student will receive a discount on their basic premium and will receive bonuses for each year thereafter that they do not receive a claim.