Teenage drivers pose one of the greatest risks for automobile accidents. It is the main reason why including them on one’s auto insurance is so high. When its time to add your new driver to your car insurance policy, you may want to consider a legal plan as well. Based on how the averages stack up against your teenager, it could end up saving you several hundreds to thousands of dollars when its time to renew your insurance.

Remember that day when you passed your road test and was issued your first driver’s license? You probably had a smile that stretched from ear to ear and thought to yourself, -Oh, that special feeling of independence!- On the other hand, when your parents went to add you to their insurance policy, they discovered that they might have to finance that extra cost, because it was astronomical. Fast forward to today, and now your teenager is making that leap of independence, and you now know how your parents felt.

In fact, studies show that average cost of insurance for teenage drivers nearly doubles a family’s insurance premiums. Why? Because the risks are much higher when a teenage is behind the wheel. One of the most interesting facts about teenage drivers is that they are 3 times more likely to be involved in a fatal crash . Couple that with the law enforcement campaigns that seem to always net a higher percentage of speeding teenage drivers, and you begin to understand why the insurance companies charge such high premiums. Lets face it, the maturity of teenage drivers, on average, is lacking that of an experienced driver, which usually only comes with some years behind the wheel.

Don’t totally fret, because there are some insurance discounts for teen drivers. And even though they don’t make up for the sharp jump in insurance premiums, every little bit helps. For instance, if your teen gets good grades, that’s a plus. And just about all of the major auto insurance companies provide discounts when teens take a defensive driving course. Of course, make sure to inquire with your auto insurance for any discounts you might be entitled to.

And once you have added your teenage to the policy, its time to consider a family legal plan – one that offers legal representation in traffic court for moving violations – you know – tickets. As was mentioned earlier in this article, teenagers get traffic tickets at a much higher rate average. And as you know, when points come with that ticket, so does the promise of higher insurance premiums. This is where having an attorney represent your teenager, or even you for that matter, can make a big difference in the outcome of your court case. And when you consider that just 1 or 2 points on a teen’s driver record has the potential to raise a policy by several hundreds to several thousands of dollars, is there any wonder why participation in legal plans is starting to happen in huge numbers?

There are many types of legal plans in the market, so you will have to do a little research to find a company that has a plan to fit your families’ needs. Most basic plans cost less that $20 monthly. And they usually offer more than just motor vehicle moving violation coverage – with coverages like basic consultation, letter writing, contract review, wills, IRS Audit representation, law suits representation, and the likes. With all of these added benefits and potential savings, and a daily cost of less than a cup of coffee, a legal plan begins to make a lot of sense compared to the high cost of auto insurance.

In any case, now that you have a new driver in the family, adding legal protection is generally a good decision.

Gerard Cassagnol is a professional marketer of legal plans and identity theft plans for individuals, families, and small businesses. He has subscribed to a legal plan for more than 15 years and has been an advocate of affordable legal protection in the USA and Canada. For more information about Small Business Legal Protection, please got to FREE Insider Legal Protection Report . For more information about Identity Theft, including good tips to help protect you and your family, go to ID THEFT PROTECTION