In the state of Kentucky each year, on average, 600 teenagers are involved in accidents where alcohol is related. Not only does this mean injuries and in some cases death, it also results in incredibly high insurance premiums for the foreseeable future for the young driver at fault. There are things parents can do to help ensure that their teenager and they enjoy the best rates on car insurance in Kentucky.
One of the most effective ways for anyone to enjoy a good rate on car insurance is to drive a low risk car. In the case of a teen driver this typically means the family sedan as opposed to a sports car. Although most teenagers dream of having their own car, it’s much more prudent, in terms of the rates to add them as an occasional driver on their parents’ policy.
Having the child take a course in driver’s training will also bring rates down and good students are often rewarded with better rates too. If a child proves they take school seriously, most car insurance companies will assume that they will take care when driving too. Proof of a high grade point average is often required in order to qualify for this particular discount.
For everyone in the family it’s important to always be careful and courteous when driving. We all know that accident claims raise rates, but speeding tickets do as well. By staying clear of collisions and driving within posted limits, you can ultimately save quite a bit on these rates.
Also, ask about renewal discounts with any companies you are considering doing business with. Each year when your car insurance is set to expire you should be out scouting the prices with other companies. If your current company does offer a renewal discount you’ll likely find they have the best rate possible for you.