Crash rates for teen drivers in Indiana are far from impressive. They have more car crashes than the combination of all other age groups and many parents would rather that they NOT drive. Notwithstanding this may work for a few families, it might not work in many others.
But you must bear in mind that peer pressure is quite a strong factor at this age. So what can you do to both help them stay safer and bring down the typically high car insurance premium they get? This article will show you how...
It's normal for your teen to demand privileges that come with adulthood while avoiding the attendant responsibilities. However, insist that they bear the responsibilities that come with the privilege or at least a part of it.
Make them pay their auto insurance premium themselves or at least contribute a sizeable chunk. You'll discover that making them to take steps that will make them lower their rates will be easier after you do this.
Your teen driver would be safer and ultimately attract lower rates for their Indiana car insurance policy if they do the following...
1) Let them never drive in company of fellow teens or kids unless there is a responsible adult in the car.
2) Make sure your teen promises never to drive at night. For those whom this may not be an option, teach your teen what to do and how to drive at night.
Those who drive in the night (between 9.00pm and 2.00am) run a bigger risk of having accidents.
3) Let them know the dangers of driving after drinking and have them promise never to drive after drinking. Take note that to be on the safe side they should know that they are not allowed to drive if they take so much as a sip of alcoholic beverage.
4) Let your teen know that they shouldn't race on the highway and let them know the risk they run if they do.
Make sure they are grounded if they ever get a speeding ticket.
5) You must always be told where they intend to drive to. If you feel it's not in their best interest, advise them to use a cab instead.
Yes, these may not work in homes where the parents and teens don't have a good relationship already. Nevertheless you can lower your teen's rates by getting and comparing quotes.
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