The reason being could be because they are inexperienced drivers, who are finally getting the opportunity to utilize a motor vehicle. It takes time to perfect your driving skill, which is why as we age, our insurance rates begin to drastically drop.
So, if you are experiencing an extremely high hike in your current insurance rate, from putting your teenager on your policy, we have comprised a list of a few things that you can do as well as your teenager to try to keep rates as low as possible.
1. Ensure that your teenager knows the laws of the road. Ensure that your teenager drives responsibly. AS long as your teen keeps a clean driving record your rate should remain pretty low.
2. Do as you say. Ensure that you are following the rules of the road and being a good example to your new teen driver.
3. Ensure your teenager is maintaining good grades. If your child is doing well in school, there is a discount for their grades. Award them when they bring home a great report card. Their smarts are helping you save money.
4. Enroll your teen in driver's education. Some insurance companies will offer discounted rates for teens that have taken drivers education. Call your insurance company to ensure you are enrolling your teen in a school that is recognized for the classes.
5. Do not buy your teen a sports car! When teens are given fast cars at a young age, many of them don't know how to act. They become careless and want to show off in front of their friends. They forget the main purpose of the car is to get them from point A to point B and take advantage of what they have.
Any insurance company would be more the obliged to have your teen added to your policy. So, there is no fishing around for a company that will allow you to put a teen on, because they all do. Just, don't get too frustrated if the price on the policy rises because of the teen being on the policy. It's better to pay a little bit more then to not have the insurance at all.
Teach your teen the same respect about auto insurance as you have. Explain to them about drinking and driving and ways to keep their license. A driver's license is a 16 year olds dream. Many teens anticipate receiving their license so they can finally get behind a wheel of a car.