How to Get Affordable Car Insurance in Oklahoma

Young, male drivers seem to face some of the highest car insurance rates in Oklahoma. Although the Oklahoma Insurance Code is in place to ensure that rates aren't unreasonable, statistics do show that teenage males are more likely to get into accidents than teenage girls and older folks. If you are the parent of one of these young men, you are probably wondering how you can find affordable car insurance for them. Although you're unlikely to find a rate that is equivalent to yours if you've had a clean driving record for decades, you can reduce your son's insurance costs by utilizing these tips:

enroll him in a recognized driver's training course. When you call to ask for quotes for car insurance in Oklahoma, ask the agent about which driver's training courses they recommend. Once your son has completed a course like this, his car insurance rates will automatically be more affordable.

encourage him to study. Every parent wants their child to do well in school, but now there's an extra incentive. A growing number of car insurance companies are offering a discount to students who maintain a high-grade point average. If your child understands the savings that can be had if he works on his studies, he'll be more inclined to focus on school.

sign a contract with your child. Some car insurance companies in Oklahoma actually have these types of contracts available to their clients. The contract states that your son will be responsible for any extra expenses such as paying the deductible should he cause an accident and also paying for any speeding infractions. It's also good to have a clause in the contract that states when driving privileges will be suspended.

The best way for any parent to help their son or daughter enjoy affordable car insurance rates is to show them how essential it is to always be a good driver. If a parent drives recklessly or speeds up to beat traffic lights while the youngster is in the car, that child is more likely to adopt the same dangerous behavior. Show your child for example what a good driver is.

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