If your teen is getting ready to put their hands to the wheel, it’s time to think seriously about auto insurance options – a dreadful thought for many parents, but with a little research and careful planning you might be able to obtain affordable Auto insurance for your teen. Let’s explore some ways to lessen the cost of your teen’s Auto insurance.
Proper Driver Training
Many teens opt for driver’s education in high school, and this is a wonderful way to decrease your teen’s Auto insurance rates right from the beginning. Many Auto insurance companies offer discounts to those who have completed a driver’s education course successfully. Not to mention driver’s education provides proper on-the-road training for your teen. The instructor can teach all the written and “unspoken” rules of the road while also showing proper driving techniques, including defensive driving. Knowing how to drive properly helps decrease the chances of careless driving, thus making your teen a much safer driver.
Law versus Fun
Emphasize to your teen that although driving is fun, it’s also a serious responsibility. Make sure they understand how the law works and the stiff penalties for speeding, racing, careless driving, drunk driving, running stop signs or red lights, not wearing seatbelts, parking in undesignated areas, etc. Explain that even one traffic offense can eliminate their chances for affordable Auto insurance in years to come, and might even cause them to lose their driving privileges for a while.
Does Your Teen Make the Grade?
Some insurers offer discounts to students who keep their grades up. This is somewhat of a reward for you as a parent and for your teen if they get good grades or maintain a high GPA (grade point average). Your Auto insurance company might offer this discount because insurers feel that a teen who demonstrates responsibility and carefulness in school is more likely to do the same while behind the wheel of an automobile. This can be used as an incentive for your teen as well. You might even offer a bonus allowance to your teen for keeping their grades up, using the money you’ll save with cheaper Auto insurance!
Choose Cars Wisely
Teens and sports cars – these words shouldn’t be used in the same sentence if you’re shopping for Auto insurance. Insurance companies frown upon teens buying or driving sports cars, even if the teen is a safe driver. Sports cars in general tend to carry higher insurance rates for drivers of all ages, but teens are especially vulnerable to temptation when it comes to showing off their new car and testing how fast it will go. Opt for a sedan or family-style car with all the safety features possible. The good thing about safety features is your insurance company might offer discounts for certain safety features such as anti-lock brakes, air bags, added frame support, and others.
Opt for an Add-On to Your Policy
When your teen first starts driving, consider adding them to your current insurance policy for a while. You can do this as long as you remain the primary driver of your vehicle. It is also recommneded that your youthful operator be added to your policy until age 18 since parents are likely responsible until the youth reaches 18 anyway. Also you will enjoy the lower rates based on the discounts earned under your current policy and age. If they only have a learner’s permit, check with your insurance agent FIRST to find out if they should be added to the policy as a driver. Most (not all) will cover teen drivers automatically under your policy while driving with a permit.
Ask Us About ALL of the Discounts
Cosult with one of our experienced insurance professionals. We can assist you in achieving the delicate balance between price and protection.
Having a teen driver creates awareness about road safety and Auto insurance like nothing else. Use these tips to guide you as you shop for Auto insurance that will provide the most coverage for your money. Call our office today 877-994-6787 or 951-600-5751 for more information on your teen driver’s insurance protection, afree copy of our special report “101 Tips on Teen Driver Safety” and a complimentary copy of our teen driver contract.