Agencias de Seguros en Delaware
Auto Insurance Delaware
The rates that an insurance carrier will charge for auto insurance are not simply pulled out of thin air. They use hard data and facts when determining the risk of a certain group of drivers.
Take for example teenage drivers. According to the CDC (Center for Disease Control), teen drivers are four times more likely to be in a car accident than any other group. This means that out of 5 accidents that occur, four will involve a driver between the ages of 16 to 19.
Young drivers are more likely to drive recklessly, tailgate, or follow too closely to the car in front of them, be distracted by other people in the car or cell phone use (in fact, texting while driving has become one of the leading causes for accidents in the US), not pay attention to their mirrors or blind spots, driving over the speed limit, driving at night, drink alcohol while driving, among a myriad of other behaviors that keep teen drivers in the most risky category.
As a result, car insurance rates for this age group remain the highest. However there are some things you can do to lessen the burden of high car insurance rates.
1. When purchasing a first vehicle for your teen, look at used cars with a good safety record. As with any driver, new and sporty cars come with higher price tags. The older the car, the less the insurance company will have to pay in the event of an accident.
2. Restrict the hours and distance your teenager drives until they get some experience under their belt. Your insurance agent will ask what your teen is using the car for and approximately how much time he or she is spending behind the wheel. In the first couple of years, restrict your teens driving to and from school and perhaps to a job.
3. Have your teenager complete a driver's education or safety course. These types of classes are usually offered through their high school as an elective credit. However, there are always safety classes held through your local DMV.
4. Does your child have good grades? Are they involved in after school activities? Insurance companies will reward a good student or one involved in the community with lower rates. As they see it, a child who focuses on school work and extracurricular activities is more responsible than one who is not.
5. Raise your deductible. If you have not done this already, you can also raise the deductible of your car insurance plan to offset some of the monthly cost. A deductible is the amount you agree to pay should an accident occur prior to the insurance company paying any money. The higher the deductible, the less the insurance company has to pay, the lower your monthly premium.
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