Frank Hursh, owner of Insurance Agency Texas (http://insuranceagencytexas.com)
“Insurance companies are typically reluctant to insure teenage drivers for a number of reasons including that they do not have experience. Age is also a factor. Because teenagers are so young, they tend to be involved in more accidents,” Hursh said in his office in Katy today.
The Texas auto insurance expert said parents should buy their teenagers safe, boring reliable cars instead of flashy, fast sporty cars.
“Insurance premiums on sports cars can be pretty high. Parents should buy sturdy and safe cars for their teenagers. That will help them lower and control the cost of auto insurance,” he said.
Hursh advised parents to encourage their teenage drivers to get better grades in school. This allows them to receive discounts on their premiums for good grades.
“Most parents do not know this but if your teenage driver gets good grades in school, they receive huge discounts on their auto insurance. So encouraging the teenagers to do well in school is not only good for their academics, it can save the parents money,” Hursh said.
He encouraged parents to shop around for auto insurance for their teens.
“Parents need to shop around for auto insurance. Don’t just accept the first quote you receive. The best way to do this is to use the services of insurance agencies like Insurance Agency Texas. We shop the insurance market and get you the lowest quotes out there,” Hursh said.
Other ways to lower monthly insurance premiums for your teenagers include enrolling the teenager in driver’s education classes, limiting the amount of daily driving by your teenager and making sure you buy the right amount of insurance for your needs.
“Drivers education is a good step for your teenager. Also buying the right amount of insurance and limiting the time your teenager spends behind the wheels are other ways to lower your monthly premium. They reduce the number of accidents your teenager is involved in. That lowers your premium,” Hursh added.
In Katy, Sugar Land, Houston, Pearland, Fulshear, Richmond, Rosenberg and The Woodlands, call Insurance Agency Texas at 281-398-1010 or go to http://www.insuranceagencytexas.com/