As per the data from the National Highway Transportation Safety Administration, a brand new driver is twelve* times more prone to accidents. Also, for young drivers who have had accidents, there is a 50%* chance that they will be involved in another one again. As a result, auto insurance cost for them is high. If you plan to include your teen in your family car insurance, then you may have to end up paying as much as two* times the older amount! However, parents need not worry about their children who have recently learnt how to drive, for there is the auto insurance in Chicago for amateur drivers. This insurance keeps the young adventurous drivers legally on the safe side and as it is up to their parents who can buy them the car and the auto insurance policy, there are certain factors that the parents should be aware of. The auto insurance in Chicago for amateur drivers has been a benefit to many families.
The first thing that parents can do is if they have already purchased the auto insurance in the city of Chicago, is that they can include the name of their son or daughter under the supplementary vehicle controllers on the coverage policy that exists. This can help a lot in saving the premium rates while the child is insured.
It depends on the parents what type of cars their teenagers are driving on the road. Fancy cars and sports car often make these amateurs take up risky driving which lead to accidents. So it is the parents’ duty to see that the cars their children drive are safe and consequently the insurance low too.
It also happens that that the insurance companies make a background study of the driver. They want a driving record which shows if the driver has had a record of traffic violations and minor accidents. In case they come across any such record the premium rates would naturally shoot high as they company would regards the kid as a risky driver.
Parents should know that the place where they stay can have its effect on the premium rates of the Chicago auto insurance. This is because a very congested area has the possibility of having crimes like theft and robbery and accidents too happening there. This naturally shoots the premium rates higher as the insurance company takes for granted that anything can happen to the car they are insuring. While a car owner living in a less congested area will be charged less as there is hardly any possibility of accidents and thefts to occur. Parents can also encourage their young ones to drive mostly in less congested area so that they can avail the insurance at a discounted price.
Although the rates of auto insurance in Chicago maybe cheap, parents should always go for the higher deductibles in case of the liability coverage which saves the family during times of accidents injuries and damage to vehicles.
Parents should go for the comprehensive coverage for their young children who are driving on the roads. This coverage comes to one’s help during natural disaster, vandalism and theft. When the vehicle is replaced it is this coverage that comes to use.
It is easy to get a car insurance quote. Just type the pin at the top of the page and get the quote. This would also help you to decide how you should approach the purchase of the auto insurance in Chicago for your teen at home.