Driver's Ed Discounts on Car Insurance Policies

Parents of young drivers have a several issues and concerns on their minds. Among these issues and concerns are the safety of their young drivers and the insurance hikes incurred by putting their teenage drivers on the road. Teenage drivers are notorious for their poor or reckless insurance habits. Because of these habits, insurance companies charge higher rates for young drivers. Although no parent wants an unsafe child on the road and, likewise, no parent wants to spend too much money on their car insurance, keeping a teenager off the road may not be the best choice. Teenagers should learn responsible driving skills while still under their parents' roof. This situation causes a quandary for parents. How do they both lower rates and keep their children safe while still allowing teenagers a measure of independence behind the wheel? For many parents, the answer is driver's Ed.

Driver's ed will help parents with both of their main concerns. First, it teaches young drivers valuable safety tips and excellent driving skills. Second, because of these tips and skills learned, most insurance companies will lower the insurance rate they charge for younger drivers. In essence, insurance companies view drivers who have taken driver's end as safer drivers and therefore better investments. Once a teenager completes his or her course, his insurance rate will lower.

Although many states require such a course for any prospective driver under the age of 18, many states do not. However, all parents and teenagers should consider the importance of taking a driver's end class, regardless of the regulations of their own state. Young drivers or their parents will need to make sure to save the certificate of completion for their course. Most insurance companies require written proof that the teenager completed and passed driver's Ed.

Driver's end is an important class, regardless of the possible discounts earned. However, parents may want to check out the requirements of their state and insurance company. Some states do not require driver's end and some insurance companies do not offer discounts for these courses. Due to the expense of driver's end, if an insurance discount is not available, parents and their teenage drivers may want to consider better ways of lowering their rates. However, all young drivers and their parents should still consider drivers end classes due to the safety lessons and driving skills learned.