Finding Affordable Car Insurance for Your Teenage Driver
If your teen is ready to get behind the wheel, it’s time to think about your car insurance options. While a mind-numbing thought for most parents, with a little research and careful planning you can certainly obtain affordable car insurance for your teenager. Let’s review some ways to reduce the cost of your teen’s auto insurance.
Driver Training
Most teens opt for driver’s education programs offered at their school, and thankfully many car insurance companies offer discounts to drivers who complete a driver’s education course successfully. Also, driver’s education provides proper behind-the-wheel training for your teen. The instructor can teach all the road rules while demonstrating proper driving techniques, such as defensive driving. Learning how to drive properly helps decrease the chances of careless driving.
Pick Cars Wisely
Teens and sports cars – these two words shouldn’t be mixed if you’re shopping for auto insurance. Sports cars carry higher insurance rates for drivers of all ages, but for teens especially. Opt for a sedan with all the latest safety features. And your insurance company may even offer discounts for some safety features, such as anti-lock brakes, air bags, and others.
Understand the Law
Stress to your teen that although driving is pleasurable, it’s also a serious undertaking. Make sure they understand how the law works and associated penalties for speeding, reckless driving, drunk while under the influence, not buckling up, etc. Make sure they understand that even one traffic offense can raise their car insurance rates for years to come, and may even cause a loss of his driving privileges.
Good Student
Most insurers offer discounts to students who excel in the classroom. Insurers offer this discount because statistics show that a teen who demonstrates responsibility in school is likely to do the same while behind the wheel.
Consider an Add-On to Your Policy
When your teen first starts driving, you should consider adding him to your current insurance policy at least in the beginning. You can do this so long as you remain the primary driver of the insured vehicle. In doing so, your teen will enjoy lower rates based on your discounts and age.
Shop Around for the Best Deal
You will be surprised at the rate differences among carriers. Every insurer differs in what they consider to be a high risk driver. Some insurers specialize in insurance for young drivers and can offer cheaper rates than competitors.
Having a teenage driver creates awareness about car insurance like nothing else. Use these tips to guide you as you hunt for car insurance that will provide the most bang for your buck.
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