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Thursday, January 3, 2013

Teenage Drivers and The Importance of Texas Auto Insurance

By Amy S. Kitchel


Many find the process of seeking to get a new teenage driver covered with a Texas auto insurance policy frustrating and fearful and find few affordable options for coverage.

The insurance industry automatically considers teenage drivers 'high-risk'; they are statistically shown to cause more accidents and be more distracted in their driving. The leading cause of death among teenagers in the United States is auto accidents, which caused just over one in three teenage deaths in 2009.

Teenagers show a poor judgment when making driving decisions; from drinking and driving to texting and driving, teenagers often take dangerous situations too lightly. The lowest rate of seatbelt use among U.S. drivers in comparable age groups is with teens. In recent years, texting and driving has become a more hot-button issue. Although some teenagers do take the warnings about texting and driving seriously, all auto insurance rates are affected when more drivers have accidents because of texting.

While teenage drivers may seem to have a severe disadvantage in finding coverage for these reasons, there are still many options in finding affordable Texas auto insurance for teenagers.

The best option for finding coverage that will fit your teenager is to shop around. Especially online there are many websites that specialize in coverage teenage drivers.

Many of these companies offer various discounts, including discounts for good grades, for good behavior and for taking a drivers education course. Teenage drivers can also often join their parents in a combined Texas auto insurance policy.

By choosing to drive a car that is small and inexpensive, teenage drivers can give themselves a leg up in finding affordable Texas auto insurance. Installing safety features extra into an existing vehicle can also help. These types of cars are easier and more affordable to insure.

Learning good driving habits early, during a drivers teenage years, will help ensure good driving practices which will carry on throughout a drivers life and help keep insurance costs down.




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