This level of of driving could be and usually is very precarious. Parents should consult with various companies and talk with several different agents. The parents should also take their teenager along even if it is just to get general information about the process.

The clients should ask some basic questions like “What is the best coverage to get for my teen?” or “What would the cost be?” Basic auto insurance should contain in the contract many chances for the teenager and/or the adults various Driving courses for all seasons. In these courses there should be a written and practical test. My idea would also include a Mental Health test as well just to make sure they will be safe drivers. There should be levels to meet whoever takes the test or the classes. These levels should be Basic, Proficient, and Advanced. The courses should be completed during the application process to be covered.

I think several interviews should also be included with the teen and the parents before the final papers are signed. During these interviews the agent could make observations that would involve personality questions, reasons they need to use the car, will the be able to understand the rules of the road and be able to follow their instincts of right and wrong through scenarios for safe driving practices.

Cheap car insurance for young drivers is a very serious issue for parents and the teenager to consider even if their teenager is just entering these years. These courses could be offered in a theory class or even in a bicycle safety class for they will still learn the ‘Rules of the Road” even on a bike. The safety of the child and others on the road is the most important thing that insurance can cover. All family levels should be allowed coverage.