Chances are, you wish that someone had taken the time to help you learn about cheap car insurance when you first started to drive a vehicle. However, you were more or less left to your own devices, and you needed to discover how to obtain cheap car insurance by yourself. Teaching your kids about this type of insurance might seem easy, but they may be so eager to get out onto the road that they don’t want to listen.
Don’t Let Them Drive Yet
The best way to get them to learn about cheap car insurance is to prohibit them from driving until you have had this discussion. While you may think that they have earned the right to drive by obtaining their licenses, you are still the parent. Hold back the keys from the car until the two of you have looked into cheap car insurance together. While this plan might cause some fights now, you can rest assured that your kids will feel more confident in the long run.
Make Them Pay
Many parents decide that they are going to pay for their children’s car insurance. As a result, they may not look into cheap car insurance; they may simply add them to whatever plan the family is currently on. However, not only does that plan fail to hold kids accountable, but it also encourages them not to care about cheap car insurance. When you tell your kids that they are responsible for paying for their car insurance, their ears will likely perk up to cheap car insurance.
Get Them Their Own Policies
Another problem that happens is when parents put kids on their own policies. Kids may say that they are going to pay, but then never end up giving the money to their parents. By letting your teenagers know that they are getting their own policies, you can feel a greater sense of confidence that they will care about cheap car insurance. Ultimately, once your children have shown that they are mature and responsible enough to pay, you may wish to consider moving them to your policy; doing so can help to save money overall.
Special Advantages for Teenager Drivers
Shopping around for cheap car insurance when you have a teenager driver might sound like a cumbersome task. After all, you know that “cheap car insurance” and “teenager driver” are not often phrases found together in the same sentence. However, you can look into discounts that are specifically made for teenagers. For example, many car insurance companies offer cheap car insurance for students who do well in school. Let your kids know that spending more time with the books can get them better grades and cheap car insurance.
Break Down the Sums
Your kids may not fully understand what cheap car insurance means, and it’s your job to show them. Let’s say that you have two different possibilities, and a $50 difference exists between them. Your kids might think that this difference is negligible. Break down with them how many of their social activities they would need to give up in order to afford an extra $600 per year. They will likely choose the cheap car insurance.
Learning about cheap car insurance is important for you, but it is also necessary for your teenager drivers as well.