IIHS further suggests that immaturity leads to various risk habits, for example ignorance of the speed limit and the inability to recognize or respond to hazards. Therefore, it is not uncommon for auto insurers to charge a high premium to young drivers. To help reduce the cost of insurance, IIHS recommends that parents only allow their teens to drive safe vehicles with at least these 4 basic principles:

· Low horse power: Vehicles with high-powered engines are serious temptations for teens to test the limits of their cars.

· Larger vehicles are safer: small cars are bad because they offer little protection to drivers in the event of an accident. Small SUVs are still on the institute’s recommendation list.

· Electronic Stability Control (ESC): This safety feature helps apply automatic brakes at times when the vehicle experiences loss of traction.

· Best security score: the National Highway Traffic Safety Administration (NHTSA) tests each new vehicle and provides a safety score. Teens must drive vehicles with a rating of at least 4 stars (5-star rating is the best).

These principles apply every time parents purchase or choose vehicles for their teens. Although the principles seem restrictive, there are still several dozen vehicles that meet the guidelines. The good news is that most low-powered vehicles tend to be the least expensive options on the market. The right vehicle reduces the risk of accidents and improves your chance of getting an affordable auto insurance quote. However, parents and teens must work together to keep the record clean. Here are some tips to avoid the premium surcharge.

1. Help teens understand traffic laws: By far the most effective way to keep your auto insurance premium affordable is to keep track of zero traffic violations. Teens may not know what some signs and regulations mean, so parents should be able to help them understand.

two. Lead by examples: under ideal circumstances, parents teach their children to drive. Parents play a crucial role in teens’ driving behavior. If you don’t set a good example, your teens will think it’s okay to violate traffic laws and show an inappropriate attitude on the road from time to time. Actions speak louder than words.

3. Multiple drivers in one policy: Before teens are ready to drive their own cars, it is best to include them on their parents’ insurance policy. Some companies offer discounts for multiple drivers. This is the cheapest and safest option. A standalone teen policy is also possible, but the total premium rate can be much higher.

Four. Good grades: Most insurance companies offer discounts for teen drivers (who are still in college) if they get good grades. Academic performance is good in all cases, but the discount encourages teens to study more.

5. No sports cars: Teens love sports cars and crave high-speed thrills. Aside from the fact that sports cars are expensive to insure, these high-performance vehicles are also quite dangerous for amateur drivers. Even if parents can afford to buy a sports car for their teenage son or daughter, they need to be aware of safety. Remember that safety always comes first.

6. Driver education courses: Completion of driver education courses at a reputable institution opens the door to discount. Not all courses / institutions provide instant eligibility, so consult an insurance agent for available options.

7. Drive with them: Teen drivers develop good or bad behaviors on the road over time. Sometimes it is a good idea to drive with teens and see if they are still as compliant with traffic laws as when they started.

8. No drugs or alcohol: As difficult as it may sound, parents should talk to their teens about the topic of alcohol and drugs. Have a personal conversation and discuss matters without the intention of accusing or suspecting if they use such substances. Respect their opinions and explain the safety and health risks of drug and alcohol use.

A stand-alone car insurance policy for teen drivers may be difficult to get. If getting one is really necessary, the non-standard auto insurance market welcomes any high-risk driver, regardless of past traffic violations, past accident involvement, or credit rating.

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