Parents often dread the expenses that come with the privilege that young people look forward to; car insurance. Inexperienced and needing to enhance their driving skills as yet, most younger drivers have limited sources of income if at all. If you have a daughter, she’d most likely want to have driving privileges by the time she reaches the ripe, grand age of 17. Car insurance for 17 year old female will be more costly even if she has the advantage of gender. So what should a parent do?
Many parents would balk at the idea of including their daughters in their policies. For one, it would cost them more for premiums. If they do decide for it, there will always be the worry that she’d get into some kind of trouble; whether it’s violating traffic rules or getting into some accident. Mature drivers tend to be more careful, especially moms. It’s all part of being female but we all know how experience begets wisdom and certainly, 17 year old females haven’t had the time to develop it yet. Parents would probably think about the car they take just to be eligible for the no claim bonus and having somebody else, even if it’s your daughter on your policy, could compromise it. But what if she begs and grovels at your feet to give her a chance? Would you have the heart to refuse? Click here.
A compromise would be a happy solution for everyone concerned, provided your daughter can assure that she can fulfill her part of the deal if it comes down it. Given that you have to pay considerably more for your premiums if she piggybacks to it, it would only be fair that she assume part or even the full amount of the excess. The details of the deal should be discussed exhaustively with her to avoid misunderstandings. For instance, if you are protecting your no claims bonus, it is essential that she understands how important it is to you. And what if she does make you lose it? Her willingness to do her share in protecting it should give you some confidence that she’ll be a more careful driver. Some parents who have given this privilege to their children, observed that their kids became more responsible and careful drivers; a desirable outcome for such a compromise.
If you have several teenaged children, having an old car on standby just for that purpose is probably a good investment. Old cars cost significantly lesser to insure and hardly a target for any mischief. Though this idea is detrimental in shaping your daughter to be an independent person, you can be assured of lower premiums even if you get to pay everything. To minimize the dependency, you can borrow a page from trying to compromise. Get her to agree to pay any excess amount that will be incurred if she gets into trouble and let her handle the no claims bonus amount if she loses it for you. You’re not being mean, you just want her to take more care when driving. Besides, you provided her with a car even if it’s an old one and included her in your policy. Letting her handle some of the responsibility will be good for her in the long run, though she might not think so now.
Getting car insurance for 17 year old female doesn’t just give your daughter the privilege to drive. It is an opportunity to teach her to take responsibility for her actions and make her realize that independence has its price. Some kids might take it as a rude awakening but you are just trying to be a good parent. Among others, teaching her to become responsible today will make her better equipped to handle whatever life dishes out later on.