5 Car Insurance Tips for Teen Drivers

5 Car Insurance Tips for Teen Drivers

To help you find the most cost-effective policy, we've compiled five car insurance tips for teen drivers.

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If you just got your license, you're probably pretty excited about getting behind the wheel. Before you take off, you should understand what expenses you're responsible for, now that you're a driver.

If you don't have your own car, your parents might expect you to pay for gas, insurance, parking and some maintenance and repairs. As a teen, you'll find car insurance particularly expensive, since younger drivers are statistically more likely to get in a collision. To help you find the most cost-effective policy, we've compiled five car insurance tips for teen drivers.

Take a Driver's Education Course

What does a drivers education course have to do with your car insurance? Well, most providers will offer you a discount on your premium if you've successfully completed a government-approved course. Since you'll be learning safe driving habits and defensive driving techniques - and logging at least 10 hours of in-car practice with a licensed teacher - your insurance provider assumes that you'll be a better driver and less likely to get in an accident. If you have your G1, you'll also be eligible to take your road test four months earlier, making you that much closer to becoming a fully-licenced driver.

Ask your Insurance Provider about Discounts

In addition to a discount for completing a drivers education course, insurance providers have many other discounts that can help lower your rate. For example, some insurers will offer a discount to teens with good grades - an extra incentive to study! Other discounts include a lower rate for installing winter tires when the temperature drops, paying your premium in one lump sum (rather than monthly installments), and agreeing to a higher deductible if you make a claim.

Consider a Usage-Based Insurance Plan

Some insurers offer usage-based insurance plans, which track and report your driving behaviour in return for a lower premium. You'll likely receive only a small discount to your coverage upfront, but if the data that your insurer collects about your habits - such as acceleration, speeding and braking - demonstrates that you're a good driver, you could qualify for up a discount of up to 30 percent when it's time for renewal. These types of plans are a good options for young drivers who generally pay more for car insurance. Statistics for your age group might suggest that you'll be a riskier driver, but you can prove that wrong with data that supports your safe habits.

Understand How your Driving Record Determines your Rates

Even if you're not tracking your behaviour with a usage-based insurance plan, your actions behind the wheel will affect your coverage. Even one speeding ticket could increase your premium, and a few could more than double your rate. And while traffic tickets and demerit points will stay on your driving record for two years, they'll affect your insurance rate for three. It's not just a higher premium you have to worry about; serious offences like driving under the influence or committing insurance fraud could void your policy and make it difficult to secure traditional coverage in the future.

Shop Around for Coverage

The best way to secure a good price for your car insurance is to shop around. There are many websites that allow you to compare quotes between insurers, helping you find the best available price. Just remember, the cheapest option might not be the best option. In addition to comparing the overall price of coverage, you'll also want to compare liability limits, the amount of coverage offered, the price of deductibles, and bonuses like roadside assistance or disappearing deductibles.

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Everyday Things That We Take For Granted Around The Holidays

A messy house. Because a messy house means its full of family, pets, and kids. A messy house means you have a roof over your head. A messy house means you have a home, a home that some people would do anything for.

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It's so easy to forget to be thankful for what you have.

You get busy, we all do. We get so busy and worried about what we need to do, where we need to be, and how we can do it all that we forget to be thankful for all of the little things that we have. Everyday things, things that we often spend our days complaining about, are actually things that we should be appreciating around the holidays.

Always remember, "happiness comes a lot easier when you stop complaining about your problems and you start being grateful for all the problems you don't have."

Here are 5 everyday things that we often complain about but should be grateful for around the holidays:

1. Waking up early for work

Every single day when your alarm rings, you groan and ask for just five more minutes. You're tired, you're stressed, and you don't want to go to work. But your alarm ringing at 6:00 in the morning means that you have somewhere to be. It means you are working hard for your family. It means you have a job, a job that some people would do anything for.

2. The pressure of finals week 

The holidays are hard to enjoy when you are constantly worried about everything you have due and the finals that you have to study for. It's hard to be thankful when school has you mentally and physically drained. But being stressed about finals means you are in school. You are following your dreams. You are getting a degree, a degree that some people would do anything for.

3. The extra holiday weight 

Thanksgiving Dinner, Christmas cookies, and New Year's treats. You can try hard to keep it off, but extra weight around the holidays is something most people complain about. But extra weight means you are eating. You are eating good meals. You have food to put into your body, food that some people would do anything for.

4. The stress of money 

The holidays are such a stressful time. You work hard to earn money to afford gifts, but then you end up missing out on a school play or a Christmas party. You go to the school play or party, and you miss out on the money. Every year it seems like our Christmas lists grow and we worry about how we can purchase gifts for people. But a long Christmas list means you have a lot of people you love. A lot of people that you care about. A ton of friends and family, friends and family that some people would do anything for.

5. Having a messy house 

You come home from a long day to loads of laundry, a sink full of dishes, and unmade beds. You are frustrated because it seems as if you clean something and something else gets dirty. You worry about how you will clean this all up before your family comes over for Thanksgiving dinner. But a messy house means its full of family, pets, and kids. A messy house means you have a roof over your head. A messy house means you have a home, a home that some people would do anything for.

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How To Appreciate Your Man

Top 5 Secrets for Making Your Man Feel Loved
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I got one of those questions the other day that made me think, "well that's a blog post if I've ever seen one." The long and short of it was that the original poster wanted to know ways that she could show her man that she appreciated him. I said to myself, "self, exactly how could a woman show her man that she appreciated him?"

The more I started to think about this the more difficult it became. And do you know why?

Glad you asked.

Well, its because I think in general, women constantly show their men how much they appreciate us. If there's a gender dropping the ball in the appreciation arena, its men, not women. Women tend to compromise more, always consider us in their decisions, and want us to be happy at all times. Not that men don't want their women to be happy, we just would rather her happiness didn't come at our expense. Are we selfish? Probably. We're also raised to be selfish about life. It's a vicious cycle.

Anyway, so I got to thinking about specifics. Assuming that regular life is taking place and both people show one another that they care and appreciate them via regular life activities like spending time and saying things that need to be said, etc, how else might this occur?

Here's my stab at this list.







1. Telling him to go out and have a night with his boys on occasion

I don't mean the scheduled 2-hour break many of us get on a Saturday to go hang with our friends and play basketball or something. I mean, just one day, out of the blue, just tell your man that he should go and take a personal day and have fun. Go do whatever you want and come home when you want. No pressure and no worries. We'll probably think this is a set up (face it, 7 times out of 10 it IS a setup), but he'll appreciate that you realized he needed a "break" at times.

2. Buy him something that he actually wants instead of something you want him to have

Not saying that this is always the case, or the case the majority of the time, but I know I've been the recipient of more than one gift that I either couldn't use or couldn't understand why I was receiving it. Of course I took it and said thank you, but it went in the pile with the Snuggies and Extra Medium Banana Republic sweaters. If I say I'd like something like a new toolbox and you get me a toolbox, I'll be ecstatic. Just like women love when men listen, men do too. We appreciate that and will feel appreciated. Because you heard me.

3. Help him with something that he really needs help with

You know how we know that you love or appreciate us? By being there for us when we truly need somebody to be there. Now, this seems like its in women's nature to do this anyway so perhaps this goes in the "just do what you'd normally do" pile, but its true. Men need respect and loyalty. We're like dogs in that regard. You give us that and we'll likely stick around for the long haul anyway. But we do appreciate that and trust me, it doesn't go unnoticed.

4. Tell him

Sounds easy enough but it really isn't. A lot of people have trouble articulating to somebody why they appreciate them. It's easy to say "I love you" (well, kind of), but its harder to say why you love somebody or why you appreciate what they bring to your life because it requires self-awareness. So telling him will allow him the space to understand why you appreciate him and he'll probably cook you a meal. We work really well with words of affirmation.

5. Just do something nice to make him feel special

Another one of those things that truly just goes both ways, male or female. In fact, showing appreciation really is the same across the board. It doesn't matter if you're a man or a woman, the best way to show appreciation is to just do it. Let them know, or do something nice for them to show that you care and are listening to their needs. Everybody wins that way.

And an angel probably gets its wings.

Cover Image Credit: Flickr

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