{"id":1330,"date":"2021-06-04T20:13:37","date_gmt":"2021-06-04T20:13:37","guid":{"rendered":"https:\/\/www.consumerschicago.com\/?p=1330"},"modified":"2021-06-04T20:14:59","modified_gmt":"2021-06-04T20:14:59","slug":"insurance-and-your-teen-drivers","status":"publish","type":"post","link":"https:\/\/www.consumerschicago.com\/?p=1330","title":{"rendered":"El seguro y sus conductores adolescentes"},"content":{"rendered":"
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    Insurance and Your Teen Drivers\n<\/div>\n<\/div>\n<\/div>\t\t\t<\/div>\n\t\t<\/div>\n\t\t
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      El seguro y sus conductores adolescentes<\/h3>
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      \nLet's talk about insurance and your teen drivers. Si, teenagers and driving--it\u2019s not only a tradition, pero un verdadero rito de iniciación y una parte del crecimiento de la mayoría de las personas que viven en los Estados Unidos, y si, that means they also need to be insured.\nAnd with that, si, Es probable que aumenten las primas, lo que tiene sentido, ya que la cobertura ahora se extenderá a otro conductor, y un inexperto, por lo menos. Muchos estados, como Illinois, use these factors in pricing the coverage for these young drivers.\n

      \nIs the driver male or female? Estadísticamente hablando, El CDC (Centro para el Control y la Prevención de Enfermedades) registra que en 2018, Conductores de edad 16-19 tenía una tasa de mortalidad de vehículos motorizados dos veces mayor que las mujeres conductoras dentro del mismo rango de edad, which means twice the risk.\n

      \nWho\u2019s the Primary Driver? Si el automóvil que conduce su adolescente es el automóvil de la familia, then they\u2019re an occasional driver. Sin embargo, si su hija o hijo adolescente tiene su propio automóvil, it\u2019s quite likely they\u2019ll drive more often than if she or he was sharing it with the family. This increased driving time can lead to higher rates.\n

      \nVehicle type--the make and model--always impacts insurance rates. A high end vehicle combined with a new driver will translate into a higher premium.\n

      \nStill though, hay descuentos disponibles para adolescentes:\nIf your teen has taken driver\u2019s education, muchas compañías de seguros ofrecen descuentos de aproximadamente el 10% for newly-licensed drivers.\n

      \nAlso, si su joven conductor tiene al menos un promedio de B, muchas empresas ofrecen hasta un 20% de descuento. This has to be verified yearly with a report card.\n

      \nIf you don\u2019t mind having safe driving habits verified (using a device that plugs into your car\u2019s diagnostic port), algunas empresas ofrecen descuentos. Generalmente, el seguimiento dura un período de tiempo específico, and parents can access the collected data.\n

      \nDoes your young driver attend a school (escuela secundaria, internado, universidad) that\u2019s more than 100 millas de distancia? Tell your carrier since they can usually provide both a credit as well as coverage when your student is home.\n

      \nDon\u2019t take the risk of not including your teen driver on the policy--the savings you\u2019ll save is nothing compared to the financially devastating loss that could happen.\n

      \nThe best case scenario is that if your teen causes an accident, y su compañía de seguros decide cubrir el reclamo (lo cual no es un hecho), you may end up being charged for the \u201cback\u201d premium--the extra cost of insuring your teen--dating back to when his or her license was first issued, y dependiendo de cuánto tiempo haya pasado, that could add up to a significant amount.\n

      \nHowever, incluso si su aseguradora cubre el reclamo, existe la gran posibilidad de que solo se cubra el mínimo estatal, lo que lo dejará no solo con un seguro insuficiente grave, sino también con un gasto de bolsillo considerable por los costos. \n

      \nBut that\u2019s not the worst that could happen. Lo peor que podría pasar es que el transportista niegue el reclamo por completo, lo que lo hace responsable de todos los daños. Esto incluye vehículos, propiedad, lesiones a las personas, cualquier dolor y sufrimiento que reclamen, e incluso la pérdida de ingresos, and every single bit of this has to be paid by you.\n

      \nTake the time to assess what your insurance needs are and provide safety for you and your new driver well into your family\u2019s future.\n

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      \nGet An Illinois Car Insurance Quote, ¡luego obtenga aún más! ¡Haga clic aquí<\/a><\/b> para mas información!\n<\/div><\/div><\/div>
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      El seguro y sus conductores adolescentes El seguro y sus conductores adolescentes Hablemos sobre los seguros y sus conductores adolescentes. Si, los adolescentes y la conducción–it\u2019s not only a tradition, pero un verdadero rito de iniciación y una parte del crecimiento de la mayoría de las personas que viven en los Estados Unidos, y si, Eso significa que ellas y ellas también necesitan estar aseguradas.. Y con…<\/p>\n","protected":false},"author":1,"featured_media":1313,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"image","meta":{"footnotes":""},"categories":[1],"tags":[5,7,6,3,9],"class_list":["post-1330","post","type-post","status-publish","format-image","has-post-thumbnail","hentry","category-uncategorized","tag-bundle","tag-car","tag-chicago","tag-insurance","tag-teen","post_format-post-format-image"],"_links":{"self":[{"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=\/wp\/v2\/posts\/1330","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1330"}],"version-history":[{"count":12,"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=\/wp\/v2\/posts\/1330\/revisions"}],"predecessor-version":[{"id":1342,"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=\/wp\/v2\/posts\/1330\/revisions\/1342"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=\/wp\/v2\/media\/1313"}],"wp:attachment":[{"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1330"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1330"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.consumerschicago.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1330"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}