将你的孩子加入汽车大发888dafa的4个建议
为青少年, getting their first car is a milestone—it serves as a symbol of maturity and independence. Nonetheless, most teens aren't in a financial position to pay their own car insurance. But with teenagers aged 16–19 being the most likely to damage their cars, 没有大发888dafa不是一种选择.1
If your teen is approaching driving age, you may be preparing to add them to your car insurance. It's important to be aware of these four things before you do so:
1. 你的利率会上升
Adding a teen to your policy will inevitably increase your rates. It doesn't matter how good a driver they are; teens are the most inexperienced drivers and, 因此, 最危险的大发888dafa. While the average annual cost of auto insurance for a 25-year-old is $3,348, 同样是7美元,一个18岁的司机396美元. However, it's typically still cheaper to add a teen to your policy than to put them on their own.2
You might want to investigate other car insurance companies and compare what your costs will be once your teen is added to your insurance. Remember that they will likely be on your insurance for years. Your current provider may or may not offer the cheapest rates available to you in the long run, and it's worth investigating all your options before making any changes.
2. 他们开的车很重要
While it may make your teen happy to be handed the keys to their shiny new dream car, that's probably not the best choice when it comes to lowering auto insurance costs.
你的汽车大发888dafa费率下降了3%.你的车每老化一年就会有4%的收益. 而利率取决于许多变量, insuring a brand new Audi convertible is likely to cost much more than a used Mazda. 不管, 当你的孩子适应了开车的生活, 你最好给他们买个大发888dafa柜, 可能是二手车, 而不是一个“看起来”更好的新产品.3
A good idea is to get your teen involved in the car shopping process. 他们有没有研究过哪些车既便宜又安全, but also allow them to have a say by looking for one they'll like.
3. 了解你的大发888dafa政策 & 国家政策
It's difficult to make generalizations about auto insurance because so much depends on the actual insurer itself. 大发888dafa companies differ widely in rates and policies. Your insurance company may have a policy about new teen drivers that you're not even aware of. 例如, certain companies don't charge to cover your teen while they have their learner's permit. 整体, the best option is to have a discussion with your insurance company about your teen's situation and how it will impact your car insurance.
Moreover, states have different policies when it comes to age and insurance requirements. Certain states require that teens are covered by insurance to get their learner's permit, while others only require that licensed drivers be covered. 无论哪种方式, it's smart to inform your insurer when your teen gets their learner's permit and even smarter to get them insured as soon as possible.
4. 调查折扣方案
Again, this differs from company to company, but certain insurers offer discounts for young drivers. Check whether your insurance company offers any of these to get some relief on your teen's auto insurance:
- Good Student Discount: This discount rewards student drivers for achieving high grades. 这个门槛取决于大发888dafa公司.
- Safety Discount: If your teen takes an approved safe driving course, 他们可能有资格享受这个折扣.
- College Discount: Let your insurance company know when your teen leaves for college. If they're not taking a car with them and are attending a college over 100 miles away, 你可能会得到一些大发888dafa救济.
Among all the financial considerations to make before adding your teen to your auto insurance, 还有一个更个人的考虑, 还有:让你的孩子负起责任. The first year of licensure is typically the riskiest for teenagers. Ensure that you teach your teen important safety and car care principles before easing them into independent driving.1
1. 疾病预防控制中心.政府,2022
2. Statista.com, 2022
3. 斑马.2022年6月27日
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