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Donavan Insurance Group: Tips til at tilføje en Teenage Driver til din bilforsikring

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Donavan Insurance Group: Tips til at tilføje en Teenage Driver til din bilforsikring

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Det finansielle chok, tilføjer en teenager til en familie bil forsikring bliver mindre chokerende — i det mindste noget.

En årlig analyse af insuranceQuotes, en sats sammenligning site, viste, at tilføje en teenager stadig øget årlige præmier betydeligt, men omfanget af stigningen har været faldende i de sidste par år.

Føje en enkelt teenager til en politik, der forårsagede årlige præmier at øge et gennemsnit på 78 procent eller $671. Men renteforhøjelser har været faldende siden 2013, hvor den gennemsnitlige stigning var 85 procent.

Laura Adams, forsikring senioranalytiker med insuranceQuotes, sagde, at faktorer i tendensen kan omfatte sikrere biler teknologi, en dukkert i antallet af teenagere får kørekort og den fortsatte virkning af "graduerede" drivende programmer, der restriktioner på nye drivere, indtil de får mere erfaring på vejen.

Men virkningen af tilføje teenagere en politik er stadig et ryk til familier, især de tilføje drenge. Sætte en mandlig teenager på din forsikringspolice steg priser gennemsnitligt 89 procent, sammenlignet med 66 procent for en kvindelig teenager, analyse fundet.

Ms. Adams sagde præmier øges, når en teenager blev tilføjet fordi, statistisk, yngre bilister — især drenge-har flere ulykker end ældre, mere erfarne chauffører, og fil mere forsikringskrav.

Næsten 1.900 drivere i alderen 15 til 20 døde i bilulykker i 2015, ifølge den National Highway Traffic Safety Administration, op 9 procent fra 2014.

Motordrevet køretøj nedbrud er den hyppigste årsag til dødsfald blandt teenagere, Ifølge Centers for Disease Control og forebyggelse.

Som med de fleste forsikringsudgifter varierer virkningen af tilføjer en teenager efter stat. Tilføje en teenager i Rhode Island bump op præmier med mere end 150 procent, mens forældre i Hawaii får omkring en 8% stigning.

Til analysen hyrede insuranceQuotes kvadrant Information Services, en forsikring data firma, til at beregne prisstigning på tilføje en driver i alderen 16 til 19 til en familie bil forsikringspolice. Gennemsnittene er baseret på en hypotetisk par — en mand og en kvinde, både 45 år gammel, gift og beskæftigede — der hver drive 12.000 miles hvert år og har god kredit og drivende poster. Politikken testet inkluderet $100.000 for skade ansvar, $300.000 for alle skader, en $500 selvrisiko på kollision og omfattende dækning, og uforsikrede bilist dækning.

Her er nogle spørgsmål og svar om teenagere og auto forsikring:

Hvordan kan jeg reducere omkostningerne ved at have en teenage driveren på min politik?

Kathy Bernstein Harris, senior manager for teenage drivende initiativer på den nationale sikkerhed Råd, en nonprofit, sagde, at nogle forsikringsselskaber tilbydes rabatter for studerende, der får gode karakterer (selv om det har ikke nødvendigvis klart, at det at være en god elev. korrelerer med sikrere kørsel). Rabatter er også ofte tilgængelige for nye bilister, der tager driverens undervisning klasser.

Ms. Harris sagde den bedste måde at reducere fordringer og holde omkostningerne nede – og holde dit barn sikkert — var at fastsætte regler og bruge tid på at køre med teenagere og coaching dem langs, selv når de passerer deres førerens licens tests. Ikke "bare at komme et stykke plastic betyder, de er helt forberedt på den åbne landevej," sagde hun. "Det første år af uafhængige kørsel er de farligste."

Mange statslige programmer angivelse af begrænsninger for teenage chauffører, som udgangsforbud for nat kørsel og begrænse antallet af andre mennesker, især andre teenagere, der kan ride i bilen med dem. Ms. Harris opfordrer forældre til at følge disse regler. "Med hver teen passager, du lægger i bilen," sagde hun, risikoen for et nedbrud øger.

Rådets DriveitHome websted tilbyder ressourcer til forældre og teenage chauffører, herunder interaktive sikkerhedstest.

Er nogle biler sikrere end andre teenagere til at køre?

De Insurance Institute for Highway Safety offentliggør hvert år en liste over sikre og overkommelige biler for teenagere. Generelt er er større, tungere køretøjer bedst.

Ms. Harris tyder på, at forældre ikke købe en ny bil specifikt for deres nye teenage driver — eller, hvis de gør, at de gør det klart, at bilen er familiens bil i stedet for teenage-førerens personlige køretøj. Ved at give bilen en "familie" bil, sagde hun, kan forældre bedre regler for dens anvendelse og taler om hvor deres barn er overskriften og der forventes at gå.

Hun rådgiver også, at få unge involveret i forske i sikkerhed og prisen på en ny bil, som en måde at lære dem lektioner om budgettering, og understreger behovet for sikker kørevaner.

Er der apps, der kan medvirke til at reducere distraheret driving?

Teknologi er ved at opstå, kan deaktivere SMS-beskeder og sociale medier på mobiltelefoner, mens bilen er i bevægelse. Ét system, Cellcontrol, blev for nylig positivt gennemgået af Consumer Reports.

Organisationen tilbyder også andre tips til at reducere distraheret driving og øge sikkerheden for teenage drivere på sin hjemmeside.

Vores mission er at beskytte og forbedre de finansielle ressourcer for vores kunder, således at sikre deres sikkerhed og livskvalitet, ved at levere lyd professionel ledelse service.

Donavan Insurance Group Services Inc. blev etableret i 1986 som et uafhængigt forsikring agentur med et ry for overlegen Service. Donna Martin-Boseker, der har været i branchen siden 1976, havde tidligere arbejdet i agenturet, når det var kendt som Domex forsikring. Hun købte virksomheden i 1986 og omdøbt det Donavan Insurance Services Inc. Vi repræsenterer vores kunders bedste interesser og skræddersy løsninger for deres særlige forsikringsbehov. Vi tilbyder en bred portefølje af forsikringer luftfartsselskaber med yderst konkurrencedygtige priser. Vores dækningsområder omfatter alle former for forretnings- og personlige forsikring.

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Donavan Insurance Group on How To Get The Cheapest Car Insurance: Ten Tips For Cheaper Car Cover

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Donavan Insurance Group on How To Get The Cheapest Car Insurance: Ten Tips For Cheaper Car Cover

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The mistake most drivers make is failing to shop around for the best premium and simply accepting an insurer's renewal quote, which is likely to be much higher.

Thanks to recent reforms to compensation payouts, motorists face a 10 per cent - around £50 - hike in their car insurance premiums.

Piling on more pain, from June, bill payers will also see an extra £10 added to bills thanks to a rise in insurance premium tax to 12 per cent.

Therefore, it is now more important than ever to make sure you are not overpaying for your car insurance.

There are a handful of ways to help reduce your car insurance costs? Whether you are male or female, old or young, follow our ten steps to lower premiums.

1.   Shop around for the best deals

Savings of hundreds of pounds can be found if you shop around when you renew your cover.

Be careful though. When shopping around for car insurance, it's important to make sure that you are comparing like-for-like cover. Some policies may seem cheaper, but you may find you don't have the same level of cover when you have to make a claim.

Use an online comparison service to do the hard work for you. Put in your details and check the prices that come up. You can alter the excess that you are willing to pay and the mileage you will drive and get new quotes.

Also check the insurers that don't feature in comparison sites, the big two are Direct Line and Aviva. This is Money's car insurance search is powered by MoneySupermarket and will search more than 130 insurers for you. Try it out here.

Also check the insurers that don't feature in comparison sites, the big two are Direct Line and Aviva. It is also worth checking Admiral separately for its Multicar offers if you are looking to insure more than one vehicle.

If you've been happy with the cover your existing provider has given until now but are unhappy with their renewal quote, let them know the best offer you have received from a rival insurer and ask them to at least match it.

2.   Don't put everyone on your policy

Ensure that only regular drivers are named on the policy. You can always add someone for a few days when they really need to drive the car.

3.   Protect that no-claims bonus

A long no-claims bonus is the single best way of cutting car insurance costs, so protect it.

This may increase the premium by a few pounds, but this fades into insignificance against the potential loss of a 90 per cent discount on a premium of several hundred pounds.

But the definition of a protected no-claims bonus can vary widely between insurers.

Though accidents caused by another driver will normally have no impact on such a bonus, those caused by the insured could. The key is to always check the policy carefully.

4.   Increase your voluntary excess

Agreeing to pay more towards the cost of any accident repairs will bring down premiums. If you are not at fault in an accident, the excess can be recovered. Beware being tempted to allow it to rise too high, however, especially if you have a lower value car.

5.   Secure your car

Fitting an approved alarm, immobiliser or tracking device can attract a discount of around 5 per cent. Many newer cars will come with these as standard, so make sure you check if you have them and then declare them.

6.   Do fewer miles

Reduced mileage equates to a greater saving.

For example, a reduction in annual mileage of 5,000 miles could save a typical 35-year-old driver about £50 a year in premiums.

A cut of 10,000 miles a year could save more than £100.

But you must be honest about your annual mileage, as inaccuracy will jeopardise any claim.

Check your use cover - if you don't use your car to drive to work or for business - both things that increase your premium - you may be able to get a cheaper rate.

7.   Think carefully about adding young drivers

Adding a young, inexperienced driver to your policy can be a false economy, especially if you have a large or higher powered vehicle.

The premium will still be affected by the youngest driver and he or she may not have a no-claims bonus. Insurers have also been cracking down on fronting, where parents insure cars in their name for children to cut costs, so make sure if you are the policyholder on a car driven by your children that you are actually its main driver, or that you declare otherwise.

Looking for an insurance policy for your teenager? Check out our guide to insuring a young driver

8.   Watch out for insurance trap cars

If you decide to change your car, check with your insurer if the model will have a significant effect on the premium.

Sporty cars can attract a high premium and often a slightly different model or smaller engine can make a big difference in your favour. It will also probably save you on petrol too!

Be aware that Insurers will try to include administration fees for changes to a policy mid-term. This fee, usually between £25 and £50, will be added if you change a vehicle or your home address.

However, you can ask for the fee to be waived if it is a minor adaptation, such as changing to a personalised registration number.

9.   Remember what the garage is for

If your garage is full of junk, clear it out and use it for your car.

Insurers like cars kept in garages overnight and this can dramatically cut your premium.

Aside from the benefit of not having to scrape the ice off in winter, there is a higher risk of theft by keeping the car on the road, so keeping it in the garage will be reflected in your premium.

10.   Be a better driver and sign up to a blackbox

Blackbox policies, where the insurer installs a system in your car to monitor your driving, reward those who drive carefully.

Officially called telematics, these check your speed, how aggressive you accelerate and brake and how cautiously you drive, and also whether you are on the road at perceived dangerous times - i.e. the early hours of the morning.

They can cut premiums substantially once you start proving you are a good driver. The biggest win is for those whose premiums are high, especially young drivers.

Some insurers even offer an up front discount if you take out a telematics policy.

Our mission is to protect and enhance the financial resources of our clients, thus ensuring their security and quality of life, by providing sound professional management service.

Donavan Insurance Group Services Inc. was established in 1986 as an independent insurance agency with a reputation for Superior Service. Donna Martin-Boseker, who has been in this industry since 1976, had previously worked in the agency when it was known as Domex Insurance. She purchased the business in 1986 and renamed it Donavan Insurance Services Inc. We represent the best interests of our clients and tailor solutions for their specific insurance needs. We offer a broad portfolio of insurance carriers with highly competitive rates. Our coverages include all forms of business and personal insurance.

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Donavan Insurance Group on How To Get The Cheapest Car Insurance Ten Tips For Cheaper Car Cover