Teen drivers are very bad risks to any Michigan auto insurance carrier. They are known to have more crashes than all other age groups and many parents would rather that they NOT drive. For families who really do have such an influence over their children, it may work.
But you must bear in mind that peer pressure is really a strong factor at this age. Is there a way you can get lower rates for this high risk group and also ensure they stay safe? This write-up will help you...
It's typical for your teen to ask for privileges that come with adulthood while avoiding the responsibilities that come with it. Howbeit, if you want to help your teenager really grow up, let them know that with every privilege come some responsibilities.
If it makes sense in your circumstance, let them pay for their car insurance or at least bear a part of their auto insurance premium. Whatever suggestions you make thereafter that will help reduce what they pay will be more easily accepted because they're the ones paying and they will also be the ones to benefit from lower Michigan car insurance rates.
Give your teen driver this set of rules and they will be the safer if they abide by it...
1) Ensure they never drive with only fellow teens as passengers.
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. Err on the side of safety and insist that they do not drive after as little as a sip of alcohol.
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) They must tell you where they intend to drive to with their cars. And, please, be firm if you think they're better off with a cab or even if you think they should not go there.
Yes, these may not work in homes where the parents and teens don't have a good relationship already. While you're doing those or even if you find them difficult to implement in your case, here's how any teen can get lower auto insurance rates: Get and compare quotes from five or more reputable quotes sites.
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