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It is common knowledge that it is very expensive to get auto insurance for teens. There is a good reason for this, which is statistical evidence. According to research, car crashes are the foremost cause of teenager deaths, and teen driven car crashes are more likely to cause death or injury than others. So, that is why auto insurance for teens and seniors is more expensive that auto insurance for other age groups. It is teens that have to pay by far the largest insurance premiums though. You are definitely going to pay much higher rates for your teen to drive than you do for yourself or your partner. Teen drivers can put a huge dent in your insurance budget. You can, however, try to find rates lower than the highest premiums possible, and try to make a difference over the years. One of the first steps is to get the right help. Find an insurance agent who specializes in insurance for teen or senior drivers. They can help you to get a policy that will enable you to avoid paying out of pocket for an accident. You may well find that there are various discounts that you can take advantage of. For example, teens with good grades are often seen as a less of a risk, and so a discount on the auto insurance premiums is given. The car that the teen will be driving is, of course, important too. Opt for one which is older and of a low profile, and which has safety features, such as anti-lock brakes. These vehicles can be cheaper to insure for teen drivers. If you go for a particularly old and inexpensive car, then ’self-insuring’ can be an option, whereby you pay the costs of damage to the car yourself in the case of the teen being in an accident. A teen driver monitoring device is something else to consider. You can get special discounts if one of these is installed in the car your teen drives. Not only does it cut your insurance cost, it can also prevent your teen from speeding, as they know they are being monitored.

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