16 Year Old Car Insurance Tips

16 Year Old Car InsuranceWhen it comes to the safety of a driving 16 year old car insurance tips are considered gold. We will try to provide this “gold” you can use in this short article. It is important for a teenager to be familiar with his car insurance policy and at the same time understand when it is viable to file for an auto insurance claim or when it is best to just pay for it your self.

One of the biggest challenges for parents handing over a pair of car keys to their teenager is not the car purchase itself but finding a reputable insurance company to provide reasonable insurance rates to a teenager. It is common knowledge that teenagers are hardest to insure when it comes to the auto insurance industry and this is due to the decades of insurance burns suffered by insurers from reckless teenage drivers filing all kinds of claims from missing bumper stickers to broken cup holders. Of course I am joking here but you understand the point… some things should not be filed and just taken care of your self.

16 Year Old Car Insurance Tips

If you as a parent would like to safeguard your child’s insurance history, particularly for a driving 16 year old, car insurance is a serious tool that needs to be introduced to them that way. Becoming a good insurance candidate is about building a pattern of good behavior and responsible driver’s etiquette that the insurance company can see.  Since your child has very little to no history that would be the basis of his insurance qualification, most insurers will look to the parent or guardian’s background to check if the teenager is fit for car insurance.




Your credit history matters

It is customary for many insurance companies to take a full view of your credit history for the last ten years when qualifying a child for car insurance. Insurance companies work off the principle of your financial viability in keeping up with your child’s insurance payments, as they are not in a legally obligated state to honor the payment process just yet. Your insurance payment movements will be reviewed and former insurers will be requested of a payment schedule to see if you have ever missed on insurance payments and how often. Another consideration is if you have cancelled on an insurance agreement abruptly. Insurance companies don’t like fluke sign ups and frown on applicants who are fickle when it comes to their insurance preferences.

Another important part of the insurance check is your legal history related to driving and driver’s safety compliance. Insurers will check for police records on any driving related felony charges, its degree and the number of counts you have been convicted. Most of the time, charges such as DUIs and DUI misdemeanors are deal breakers, or are enough to jack up the insurance price of up to 50 %.

I hope you enjoyed this important discussion. Feel free to copy/paste this link and email it to anybody you know that might be able to use this info.

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