Cheap auto insurance for teenagers in Oklahoma

Teenage drivers are required to follow their state’s laws governing the mandatory liability automobile insurance coverage the same as all other operators of motorized vehicles in the state of Oklahoma. You must carry $25,000.00 for each individual injured or killed in an accident, $50,000.00 for all the people involved in the accident, and $25,000.00 to cover all property damages. Since statistics show that the first year behind the wheel of a car is the prime time for teenage automobile accidents, your insurance company may recommend that you carry comprehension and collision coverage on your teen as well as raising the limits on your liability insurance to more than the state requirements.

As the parent, you are required by the state of Oklahoma to take financial responsibility for your teenage driver. Your teen driver must carry their proof of insurance in the vehicle at all times. Most states will accept an identification card or a copy of the policy from the insurance company. Even if the teen is not at fault for an accident, they must provide proof of insurance to the officer on the scene. They must also have proof of insurance for any regular traffic stop. Failure to produce proof of insurance any time they are asked for it can result in driver’s license suspension, revocation of the vehicle’s registration as well as fines up to $1,000.00.

Adding your teen to your policy will generally be less expensive than putting them on their own auto insurance policy. Even then, the cost of adding your teen to your insurance policy will raise your premiums from $1200.00 to $4900.00 per year. On average, the premium will raise approximately $2,171.00 per year.

As of the end of the year 2009 there has not been a law passed against cell phone and texting use for the state of Oklahoma. That being said, some municipalities have passed laws banning their use. Check with your local law enforcement or city government to find out if there are local laws banning the use of cell phones and text messaging in your city.

For each successive year that your teen maintains a good driving record, the premiums will most likely go down. To maintain a good driving record, your teen cannot have any traffic violations or accidents on their driving record. They cannot be picked up for a DUI. Even being involved in an accident that was not their fault can be a mark against their record just as it is for an adult. Insurance companies view this as an indication that the driver may not have been paying close attention to the circumstances around them and therefore could have possibly avoided the accident.

In addition to a clean driving record, teens who maintain a “B” grade point average will also receive a discount on insurance premiums. Another discount available for teens will be given when the teen has successfully completed a state approved safe driving course. The type of car your teen drives will also affect your insurance premiums. Don’t put your teen in a luxury car or sports car. It may also help lower your premiums if you avoid the top 10 stolen cars in the state of Oklahoma. These cars include:

1. 1994 Chevrolet C/K 1500 Pickup (full size)
2. 1994 Honda Accord
3. 1998 Ford F150
4. 2001 Dodge Ram
5. 1987 Oldsmobile Cutlass
6. 1991 GMC C/K 1500 Pickup (full size)
7. 2000 Chevrolet Silverado
8. 1997 Chevrolet Cavalier
9. 2000 Honda Civic
10. 1999 Ford Taurus

Following these guidelines will save you between 10 to 15% on your auto insurance premiums for your teenage driver.