For younger drivers, the cost of car insurance may often act as a deterrent, but driving without coverage is simply not a wise thing to do. There are carriers that provide cheap auto insurance in ct that will make certain that you have at least the minimum requirement of coverage, allowing them to legally be on the road.
Your kids are important to you, and before you allow them access to a vehicle they should understand many of the consequences of being careless when behind the wheel. Distractions, such as cell phones and smartphones, can result in lives lost if they interfere with a driver giving full attention to the streets and highways that they share with other motorists.
When you are involved in an accident
Traffic accidents happen to the most careful drivers, they are simply an unfortunate part of operating an automobile, and although auto insurance provides protection, a person may still suffer having their insurance rates go up after the filing of a claim. The process of establishing auto insurance premiums can be very complex, and each accident is analyzed using many variables, including fault, history of accidents, moving violations and number of auto insurance claims, as well as age, type of car, and other factors.
In the event that the driver is not found at fault for the accident, or it’s the first time in which they’ve been involved in an accident then they may not experience any premium increase. But only if their driving history is free of moving violations and/or insurance claims.
If the accident is their fault and results only in property damage, chances are good that they won’t lose their good driver discount, but the incident may trigger an increase in the insurance premium. If found at fault and someone is injured they’re likely to lose their good driver discount and see a premium increase in the range of 20-25 percent.
Non-renewal & cancellation policy
Many insurance companies may opt not to renew a policy when a driving record contains several auto accident claims or traffic violations. Different insurers look at what constitutes an unacceptable driving record differently, but there are a few incidents, (such as accidents caused by drunk driving) which will in all likelihood trigger a non-renewal from virtually every insurer. Have your children be safe, be alert, and always carry auto coverage. Purchasing cheap car insurance in CT will protect them and the automobile just like any other insurance policy.