North Carolina Teenager Auto Insurance: Important Facts To Know Before Buying

A 2003 Department of Transportation report found that a young driver age 19 or less was involved in a motor vehicle crash every 23.6 minutes. Over 19,000 people 19 or less were killed or injured in a car accident. The North Carolina State Highway Patrol offers driver education programs to combat the dangers associated with young, inexperienced drivers. Parents looking for North Carolina teenager auto insurance should consider the following facts before adding a child to their insurance policy.

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Fact: Most Underage Accidents Involve Alcohol.

In 2005, the North Carolina State Highway Patrol arrested over 2,178 impaired drivers under age 21. North Carolina law stipulates that it is illegal for anyone under 21 to purchase, consume or possess alcohol. At best, impaired motorists will receive a fine of up to $200, loss of driving privileges, mandatory community service, alcohol awareness class, and possibly even jail for 60 days or less.  The most severe cases involve fines of up to $4,000, jail terms of 24 months, house arrest, required alcohol abuse treatment, and loss of driving privileges.

Fact: Seat Belt Use Is Compulsory In North Carolina.

It’s North Carolina law that everyone riding in a motor vehicle wear a safety belt. The driver can be held liable — financially and legally — if a passenger is injured riding without a harness. Seat belts save lives, so be sure that your teen understands EVERYONE in the car must wear a belt before the car is shifted into gear. Also impress upon your child that speeding is an unnecessary risk factor.

Fact: There Are Ways To Cut The Cost of North Carolina Teenager Auto Insurance.

Adding a teen driver to your policy doesn’t have to cost a fortune. Have your child attend a state-sponsored Safe Driving program. Ask about driver discounts for good grades and also discounts for low mileage. If you can afford it, increase your deductible and assume more personal responsibility to get lower rates. Lastly, don’t forget to shop around for the best deal on NC teenager auto insurance!