Many people who live in California are under the impression that their automobile insurance will cover their vehicle in the event a friend or relative is driving it and it’s involved in an accident. Although there are circumstances where an insurance company will honor the policy, there are many instances when the coverage is void because of the driving history or age of the person driving your car. For that reason, it’s good to have a rule in place that the only ones granted access to the car keys are those specifically named on the auto insurance policy.

When you do start shopping for affordable automobile insurance in California you must think about who you really do want to insure. If you are a married parent, your spouse is likely one of the people you want insured. If you have a teenage child who has their driver’s license, you may want to consider adding them to your policy too.

Insuring a teenager is generally a fairly expensive endeavor. Without a proven driving record, teenagers are often offered high priced policies. As a parent you can help them find affordable automobile insurance in California by putting them on your policy as an occasional driver, insisting that they take a driver’s training course and encouraging them to maintain good grades.

Insurance companies give more affordable rates to professionally trained young drivers. They also often offer a rate reduction if the child excels in school by maintaining a good grade point average. For a family with one or more teenagers, these discounts can add up to a sizable premium reduction.

Naturally encouraging the child to follow the rules of the road and stay within the posted speed limits will help ensure they enjoy reasonable automobile rates for many years to come. A good way to reinforce this message is to have an agreement with the child that they will need to pay for any speeding citations that they are responsible for.

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