Learning How Much Is Car Insurance For A 16 Year Old Boy

Many parents will ask the question, "How much is car insurance for a 16 year old boy?", and this will depend on your son's driving skills, performance at school, and the type of car he drives. The main objective of any parent is to be able to lower costs on auto insurance since there are other bills that need to be taken care of in the home.

Having a boy of 16 who has just gotten his driver's license requires you to be more concerned about his whereabouts and where he brings his car. Most parents usually limit their teens to driving to close places like the grocery (to do chores), the mall (to meet friends), and to and from school. Make a map of the roads where your teenager will be driving and submit it to your auto insurer. When they see that the commutes made by your son are very short, you can get a good discount on your premiums for him.

Many parents will also make their kids take a defensive driving course right after they obtain their license. This course simply trains your teenager how to react to different road situations in a safe and defensive manner to minimize accidents. Show your son's certification for the course to the insurer and you will find that his insurance costs will go down dramatically.

Make sure that the car that you give your son to drive is not too new and not of an expensive brand. Letting your son drive a car that has a low blue book value can ensure that you will be paying lower premiums on it.

Tell your son not to make modifications on the car that will increase insurance payments. Making it look like a racecar, by lowering the springs or modifying the muffler to make revving create a louder sound, will only raise costs to insure it. However, modifications that ensure higher security, like installing an alarm system, will bring down insuring payments because there is less risk for the car to be stolen.

If your son is a good student in school and gets high grades in his subjects, this should be something that your insuring company should know about. High grades in school are an indicator that your teen is a responsible person. This will affect the insuring rates made available to you, making them more affordable than ever.

When you ask yourself the question of "How much is car insurance for a 16 year old boy?" the answer lies in how you can prove your teen is a responsible driver or that his car is not of high value. With these tips to lower insuring rates, you can be sure to have savings the next time you register your son's automobile.