As new cars are coming every day in the market, the lust for purchasing a personal and latest car is also increasing in the population. The majority of population includes the teenagers. Though a teenager may drive a car but he or she may not meet the required age for driving license. Therefore it is important for the parents to see that their children fall in the category of license owners before owing them a car.

The problem does not end over here. The next step is a tedious one as one has to search for an optimum insurance scheme for the car being purchased. The license making does not require a heavy research but while selecting out an insurance scheme one should carefully choose out the scheme where he also has to makes sure that there is no hidden clause which would create trouble while claiming the insurance money on damage.

It is also a common fact that if the bank notices that the owner of the car is a teenager, then the premium charges charged are too high than the normal ones. Therefore one should consult out at least two to three places before actually finalizing the concerned agency. In order to select out a suitable deal for a teenager the following points should be kept in mind: -

1} in order to get away from the suspicion of a teenager not able to drive the car according to the rules which often leads to charging of high premium rates, one should have a 'clean driving record'. A clean driving record includes no violation of the traffic rules and no issuing of the 'speedy tickets'. In the case of a clean driving record, it is very easy to get the insurance scheme with the lowest premium rates.

2} while choosing out an insurance scheme one should make sure that it should have maximum possible deduction. If not, then it is better to try another one.

3} it is always better to choose a car for the teenagers equipped with maximum safety features. This point would prove out very helpful as the premium rates are inversely dependent on these. The higher the safety features, the lower the premium rates.

4} in order to avoid the problems while renewing of the policy, it is important to make teenagers responsible to pay out the premium for the policy.

Author: Franchis Adam

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