New Driver Auto Insurance - 3 Secrets to Lowering Your Premiums As their teen nears the legal driving age, most parents look forward to ridding themselves of the burden of chauffeuring the youngster from place to place though the respite from that burden triggers an enormous volume of risk for that newly independent teen. For the teen, passing the test of driving ability is the easy part; it doesnt mean your teen has all the experience and skills necessary to be considered a safe driver. The teens probability of being linked to a fatal crash is 20 times higher in the transition from student to independent driver as well as the first few months for a new teen driver are the biggest. Training your teen they are driving safely is just one aspect of providing them with through those dangerous initial few numerous years of their driving experience; setting firm rules and selecting the proper car are equally important. Teen Car Ownership - A study conducted jointly by the Childrens Hospital of Philadelphia discovered that teens who may have to gain access to a family group car are half as likely to end up linked to a fatal crash as teens who own or use a car just for their own (view link) use. Even if the child feels they may purchase their own vehicle experts recommend that parents stand firm and not allow their teen exclusive use to your vehicle for around the first 6 months. This will supply the parent greater treating where and when the teen can drive and limit the amount of time the teen spends behind the wheel, thus limiting the likelihood of being linked to a crash. Tip 2: Avoid Sports-type Cars and Lots of Modification If youre taxi driver you happen to be probably thinking about buying something flashy, you already know something which is likely to make friends and family jealous. This wont would you any favors where insurance policies are concerned and where possible I strongly suggest that you simply avoid obtaining a sports car. Also avoid an automobile which has been heavily modified from its factory specifications. These will add hundreds or else thousands to any quote you get. Be aware that in the event you acquire third party car insurance, then youll only be within the alternative party. That means that in case you have a car accident, you will be in charge of your personal repairs. Consequently, renters insurance works for the people with cars of very low value or near scrap value. So you have to consentrate cautiously about whether it is deemed an selection for you. The motor insurance firms are commercial organisations, and exist to generate profit; its so simple. They cannot spend additional money in claims, across their portfolio, than they collect in premiums, therefore as new drivers are acknowledged to present more risk, their motor insurance charges are necessarily higher.