2013년 10월 28일 월요일

Chantelle Dalby's blog ::...speech was about our pro bono requirement (40 hours). She said the average number of hours worked was (I think) something like 350. And that merely...






Chantelle Dalby's blog ::...speech was about our pro bono requirement (40 hours). She said the average number of hours worked was (I think) something like 350. And that merely...










Car               insurance               for               teenagers               is               expensive.

Each               year,               families               spend               thousands               of               dollars               providing               car               insurance               for               their               teens.

If               you               are               the               parent               of               a               teenager               who               is               driving,               or               will               be               driving,               it               is               important               to               become               familiar               with               the               high               cost               of               insurance               for               teenagers               and               understand               the               options               available               for               reducing               costs.

Teenager               driving               car               insurance               is               costly               because               insurance               companies               consider               this               age               group               to               be               at               "at-risk"               group               of               drivers               -               very               similar               to               the               risk               associated               with               driver's               who               have               been               uninsured               for               more               than               six               months.

Because               there               is               no               driving               history               to               validate,               actuaries               within               the               insurance               company               will               apply               high               risk               factors               to               the               premium               rates               and,               as               a               result,               the               cost               for               insuring               a               teenager               can               be               excessively               high.

For               many               parents,               the               cost               of               insuring               a               teenager               for               driving               can               severely               impact               the               teenager's               ability               to               even               have               a               car               that               is               functioning               normal.

Most               parents               opt               to               purchase               older               vehicles               to               keep               their               insurance               costs               down.
               There               are               some               ways               you               can               opt               to               lower               the               cost               of               insurance               for               your               teenager.

First,               you               will               want               to               be               sure               that               you               are               choosing               to               purchase               a               vehicle               that               is               not               a               general               risk               to               an               insurance               company.

Choosing               vehicles               with               4-cylinders,               vehicles               that               will               not               accommodate               many               drivers               and               vehicles               that               are               not               in               the               sports               car               classification               will               need               to               be               your               first               considerations.

By               purchasing               a               car               that               is               deemed               to               be               an               economy               vehicle,               with               low               risk               for               speeding               and               passenger               liability,               your               insurance               company               should               apply               a               relatively               lower               premium               than               if               you               were               providing               your               teenager               with               sports               car.
               Another               way               to               lower               the               cost               of               car               insurance               for               teenagers               is               to               be               sure               your               teen               has               completed               a               driver               instruction               program               that               also               includes               a               certificate               of               completion               for               defense               driving.

These               types               of               instructional               programs               will               show               to               the               insurance               company               that               your               teen               has               been               educated               by               professionals               and               should               be               a               lower               risk.
               Maintain               car               insurance               for               your               teen               consistently.

Any               gaps               in               coverage               will               result               in               higher               premiums               as               the               car               insurance               company               will               deem               your               teen's               driving               and               financial               responsibility               to               be               risky               and               then               any               opportunity               for               reducing               those               premiums               will               be               negated.

So,               in               summary,               you               will               want               to               maintain               the               coverage               consistently               and               for               the               long               term.
               And,               finally,               to               lower               the               cost               of               insurance               premiums               for               your               teenager,               be               sure               to               ask               the               car               insurance               company               about               considerations               and               discounts               given               for               academic               performance.

From               an               actuarial               standpoint,               teenagers               who               perform               well               in               school               are               often               considered               to               be               mature               for               their               age               and               more               responsible.

With               proper               academic               performance,               some               car               insurance               companies               will               lower               insurance               premium               rates               if               your               teenager               is               keeping               and               AB               average               in               school.
               Car               insurance               companies               charge               very               high               rates               for               car               insurance               for               teenagers.

If               you               are               looking               to               insure               a               teenager,               consider               these               options               to               reduce               your               insurance               costs               and               lower               your               premiums               and               over               the               long-term               your               teenager               should               find               the               premiums               are               reducing               as               their               risk               is               reduced               within               the               perception               of               the               auto               insurance               carrier.Sources:               Parenting,               2002:               4;               5-11




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