Reader’s Question:

My son is graduating from high school and I’m thinking of giving him a new car as his graduation gift. But, I don’t know what I should consider in getting cheap car insurance for him in Medford. I’m hoping someone can help me with this. Thanks!

Caitlin

Medford, OR

Hi Caitlin! I was once in your position. When my eldest son turned 17 all I could hear from him was for me to buy him a new car. Good thing I have an uncle who’s a car insurance agent here in Eugene, OR, who just taught me important things that I need to consider. Here are just some:

1. Careless Driving means higher premium payments. So, it’s important for your son to observe traffic laws at all times. It is a fact that clean driving record will always be awarded with lower premium payments so who needs speeding tickets under your son’s belt?

2. Discipline is the key. As a new driver, there are some license restrictions that your son must follow like daylight driving and zero alcohol restrictions.

3. More safety features means less accident. So if you’re shopping for a car it is essential to consider the car’s safety features.

4. Always get a stand alone policy. This kind of policy means that that your son is not considered as an additional driver in your insurance so he is solely responsible for his own insurance. There are car insurances that specialize in teen insurance that you can purchase.

5. Make sure to get car insurance with a greater deductible. Higher deductible means lower premium.

As a mother myself, I would say that teaching your son on being responsible would always be the best thing I can suggest. It’s always important that we make them accountable for their own actions. You can start by making them pay a part of their insurance. That always works.

Tags: auto insurance, Beginner car insurance, Car insurance discounts, teen insurance, Young driver car insurance