Cheap Auto Insurance for Teenagers and SR22 Insurance for DUI Offenders

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Phoenix, AZ (PRWEB) December 10, 2007 -- Cheap Teenager Auto Insurance (http://www.serenitygroup.com/cheap-auto-insurance-for-teen-drivers/)

That actually sounds like an oxymoron to most people. As soon as teenagers begin wanting to drive a car, parents begin dreading the cost of teenage driver auto insurance. When teens begin researching acquiring his or her own car, the problem of costly teenager insurance coverage becomes even more problematic.

Teenage Drivers and DUI offenders now have options to keep the cost of auto insurance low. Online quote rating in 47 States using 16 different insurance companies is now available from one insurance agency.

Before allowing your teen age son or daughter to drive they must be of the proper age within your state, they must obtain a license or learning permit / driving permit and they must be properly trained. In the Greater Phoenix Metro Area, parents have an exciting new opportunity to help get their teenage drivers off to a good start. Driving MBA (http://www.drivingmba.com/), a company headquartered in Scottsdale Arizona, provides simulator based driver training for teenagers and adults at their facilities in Scottsdale (http://www.scottsdalejobnet.com/) and their brand new training facility in Chandler Arizona.

Once your teen has a license or permit and the proper training the next thing that you must think about is car insurance. One of the first and most important considerations is the cost of the monthly premiums or annual insurance premium. Most insurers see teen driving group as an ultra high risk category and they charge ultra high risk premiums. This is because these companies see most teen drivers as being more reckless driving and accident-prone than adults. As a result, they charge higher premiums for auto insurance for teenagers.

Fortunately, there are ways in which you can lessen the charges for your teenager's car insurance. These same factors might help you get a better deal on your own auto insurance in the future as well.

1. Encourage your teen to maintain a spotless driving record. It is essential that you emphasize the importance of observing traffic laws. A clean driving record for your teenager can be critical to obtaining low cost auto insurance. Encourage them to avoid speeding tickets and other such traffic violations at all costs. Being aware of their surroundings and avoiding distracted driving can minimize the incidence of accidents happening. A clean driving record will be awarded with lower premium payments.

2. Look for auto insurance with a higher deductible. The premium payment is usually less for auto insurance that carries a higher deductible. The higher the deductible, the cheaper the auto insurance rates can be.

3. The more safety features the car has, the less likely it is to fall into a higher hazard rating class. If your teen's car has a lot of advanced safety features you may avoid vehicles require a premium for being in the higher hazard ranking class.

4. Follow any license restrictions listed on the license or permit. First time drivers may be restricted to driving with a licensed passenger, may only be allowed to drive at night or may have other restrictions, depending on the state and local regulations. Teenage drivers need to stick to the restrictions and guidelines that are specified on their licenses.

5. Get a teen only stand-alone policy. With this kind of policy, your child will be responsible for his own insurance.

As a parent, you should attempt to communicate the value of responsibility to your teenager. Make them accountable for what happens to their car and perhaps encourage them to work part-time to can pay for one-half of their premium.

After your teen is licensed and trained and you begin the hunt for cheap auto insurance, your best bet will be to contact an insurance agency with many years of experience and one that shops the rates from many different insurance companies to find your teenager and you the best low rate auto insurance coverage at the most affordable price.

Call 1-800-774-0520 right now or visit Serenity Group Cheap Auto Insurance (http://www.serenitygroup.com/) online to fill out the quick quote form.

By visiting the web site, you can also chat with an agent online or have an agent call you.

About Serenity Insurance Group

Serenity Insurance began as a unique insurance agency primarily focused on serving the specialized insurance needs for drivers with alcohol related offenses. Mr. Thomas A. Black, the founder and CEO of Serenity Insurance has over 30 years experience in the insurance business. Mr. Black believes that when people make a serious mistake and get an alcohol related offense they need an insurance agency that understands what is involved from society's point of view as well as from the offenders point of view. Serenity Insurance helps people get back on their feet by acting as a resource for answers related to SR-22 insurance and providing affordable insurance. Serenity now serves 47states and is committed to treating all people with dignity and respect while maintaining complete confidentiality.

Serenity works very closely with Alcohol Treatment Centers (http://www.serenitygroup.com/national-council-on-alcoholism-and-drug-dependence-orange-county-ncadd-oc/) supporting their efforts to get offenders back on their feet as contributing members of society as quickly as possible. Serenity stands firmly committed to providing caring confidential service combined with affordable insurance for people requiring an SR-22 filing.

Bill Austin (http://home.att.net/~wbaustin/famous.html)

AZhttp, Inc. (http://www.azhttp.com/)

(480) 998-0246

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