Car Insurance for Teens

Teen drivers present some special situations regarding the expense of their car insurance. The following tips will help clarify considerations for teen car insurance.I strongly suggest you to visit San Angelo Insurance to learn more about this.

Drivers are accustomed to considering many of the criteria car insurance companies use in determining insurance rates including the vehicle, the driver’s driving record and how far the driver will be driving. Car insurance for teens is expensive because teens are new drivers and as a group they are statistically at more risk to have accidents, making the insurance company liable.

When you are considering what is necessary for a teen driver, the age of the teen is very important. For most teens under the age of 18 executing a valid contract is not possible. Car insurance coverage is a contract and therefore they will not be able to purchase their own car insurance. If you are the parent of a teen who has a learner’s permit you must call your insurance company to find out whether your teen needs to be insured under your policy. Many states do not require separate insurance for teens under the age of 18 who are driving with a learner’s permit.

There are certain situations where teens are permitted to execute valid contracts. Most notably, in the instance of an emancipated minor the teen will obtain adult privileges such as the right to contract. In this instance the teen will be able to purchase car insurance.

If a teen is engaging in risky behavior you cannot use your parental authority to get the teen’s license taken away. Once the teen is licensed even if you are paying for car insurance, the most you will be able to do is stop insurance coverage for the teen. This is not wise because if the teen decides to drive the teen will have the legal difficulties of being an uninsured driver. Instead, delay allowing your teen to obtain his driver’s license until the teen is 18 and can legally obtain his own insurance.

If you have a child who is older whom you still want to carry on your insurance policy, you can usually do this as long as you own the car. It is more difficult to obtain a policy for someone when you don’t own the car. If you want to help an older child pay for car insurance for a car that child owns, you can privately provide funds to them and let them pay the bill in their own name.