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Must Know Facts About Car Insurance in Illinois for Young Drivers

Teens are required to carry the same minimum liability car insurance in IL that adults carry. This is twenty thousand dollars for death or injury of a person in an accident, forty thousand dollars for the death or injury of a number of people in an accident and fifteen thousand dollars for damage to property. Quite a number of insurance companies recommend that the coverage for teens should be increased for the first year of driving, the reason being that their risk of causing injuries is very high during this period.

 The increase of the teens’ coverage fee can significantly increase the auto insurance rates for their parents. There are a number of things that parents and the teens can do in order to benefit from Illinois cheap car insurance for teens. For instance, a student can qualify for a discount of up to fifteen percent if he or she keeps an average of B in school or completes a state approved safe course of driving successfully. Legal guardians and parents can also avoid paying high insurance charges for their teens if they avoid buying then luxury or sports cars and choose a higher deductable.

Some of the things that make the rates of auto insurance in Illinois to be a bit high include: Poor driving scores, excessive points on the licenses of the drivers and flawed driving records among others. For the parents who dread paying an increased insurance fee for their teens, it is advisable to inform the Illinois car insurance company that you have a new driver in your home immediately your teen starts driving. Other ways in which you can minimize the insurance charges for your teens is by doing the following things.

* Have your teen’s policy added to yours rather that purchasing his or her own policy. This will be a cheap option even if the teen is driving his or her own car.

* Sending your teen some miles away for example, a hundred miles. This can give you a discount of the insurance premium you would have had to pay.

* Take your teen to driver training school and encourage him or her to perform well in school since this can result to benefiting from lower insurance costs.

* Advise your teen on the necessity of driving safely. For instance inform him or her on the dangers of speeding, driving under influence and the need of pay attention to the conditions of the roads and the weather. In addition to that, Ensure that you are a good example when driving so that your teen can emulate you and this can result to a clean driving record for your teen, which can eventually lead to reduced rates on the charges of your teen’s car insurance in IL.

* Ensure that you have placed driving restrictions for your teen even if your state has not designed any. Do not allow him to drive anyhow. When your teen follows the restrictions you have put, you can pay cheap Illinois insurance.

If you want to learn more about paying cheap insurance for your teen, you can enter your zip code on the top of this page and have a chance to look at auto insurance quotes in Illinois.