Denver (ContentDesk) November 28, 2005 — Parents work hard to protect their children. But when these precious children find themselves thrust into adulthood behind the wheel of the family car, many parents discover their car insurance rates soaring along with their concerns and find that essential protection hard to find. More than 5,000 teens ages 16 to 20 die annually in vehicle-related accidents, according to the American Academy of Pediatrics. For this reason, many car insurance companies consider drivers under 25 a higher-than-average risk.

To keep rates low, InsureMe, the leading consumer-agent link for buying insurance on the Web, recommends these tips for teens: ” Keep a Clean Driving RecordJust one DWI (driving while intoxicated) conviction can raise teen car insurance premiums above a base premium of a few hundred dollars annually for at least three years.” Earn Brownie PointsMany companies offer discounts to teens attending high school or college full-time who maintain at least a 3.0 grade point average. Insurers also offer discounts to teens who take a locally accredited driver safety course or other state-certified program.

National Safety Council at www.nsc.org.” Involve Yourself in Your CommunityYoung people who join certain civic or community organizations (such as Eagle Scouts or Girl Scouts) may receive discounts from their teen car insurance providers. Car insurers often reward teens willing to better their communities with lower rates, since these types of teens usually pose less risk.” Choose a Safer CarCar insurance may cost up to 50 percent less if your teen drives a safer car, such as a Honda Civic or a Volvo.

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