Having a teen driver in the family can be a source of stress for many parents. Along with adding new drivers to your car insurance policy, you’ll also need to choose an appropriate vehicle for your teen. This decision will influence car insurance rates and will also play a significant role in keeping your teen safe when on the road. 

Which Safety Features Should I Look For?

Safety should be the primary concern when shopping for a car for your child. Do a bit of research on which vehicles have the best safety ratings and let these guide your buying decisions. Also, look for essential safety features, such as front and side airbags, blind spot monitoring, and traction control to keep the vehicle stable in slick conditions. 

Should I Buy New or Used?

Choosing a used vehicle is certainly the most cost-effective option. After all, new drivers are bound to be tougher on their vehicles, which means wear will occur at a faster rate. However, you don’t want to prioritize cost over safety. When buying used, look for vehicles with all the necessary safety features. You also want to make sure the vehicle has been properly maintained. See if you can get your own mechanic to take a look at the vehicle before buying it so you can rest assured that it’s safe. 

How Does Vehicle Choice Relate to Insurance Rates?

Keep in mind that the type of vehicle you choose will have a direct impact on your insurance premiums. Cars associated with a higher risk, such as sports cars, will increase premiums exponentially. This is especially pertinent for younger drivers, who are subject to higher rates due to their inexperience. Along with choosing a safe and sensible vehicle, you might also receive a discount from your insurance company by enrolling your teen in a safe driver course. 

Parents in Ashland, KY, with teen drivers depend on Charles Adams Insurance Agency when seeking reliable car insurance coverage. For more than a century, these skilled agents have helped residents protect what matters most. As an independent agency, they leverage their carrier relationships to ensure you receive the best rates possible. Visit them online to see the complete listing of insurance services or call (606) 325-9709 to schedule a consultation.