Cheap Car Insurance for Teen Drivers

It may seem challenging to get insurance for your teenager, but it is not impossible. You should expect to pay more for your teen's insurance since that age group has the highest rates in general. However, there are ways to get cheap car insurance for young drivers when you consider the factors you and your teen have control over.

Type of Vehicle

Teenagers typically want a brand new, not to mention cool, car. But the type of car they drive plays a big part in the amount of money they will be required to pay for coverage. You can get your teen driver a vehicle with a high safety rating to score lower insurance rates. The more safety features the vehicle has, the lower your rates will be. If you are adding your teen to your current policy for the family vehicle, you can expect an increase of about $800.

Driver Education Classes

Rate reductions are given to teen drivers who successfully complete driver training programs. Not all states require driver education for teens to get their driver's license. However, insurance companies are willing to reward teens who finish such classes because they are more likely to drive safely as a result. These classes can help teens learn to drive defensively and safely for different road conditions.

Academic Excellence

Teens that excel in school may be eligible to receive "good student" discounts. Most major insurance companies offer this particular discount, making the assumption that teens with good grades are more responsible and will be involved in fewer accidents and other moving violations. The exact grade point average (GPA) needed as well as the discount amount varies by insurance provider.

Driving Record

Maintaining a clean driving history may result in cheap auto insurance after a year or two. This is something teen drivers should strive for. Insurance companies begin with the assumption that your teen driver is a high-risk driver. Fortunately, it is possible to prove them wrong by driving safely, avoiding speeding tickets, and not getting involved in accidents. This is a surefire way to get cheap car insurance.

One Comment

  • August 6, 2012 at 4:47 AM | Permalink

    This information is really useful in concern with Teenagers. They are young, energetic, enthusiastic and thus having more risk factors as compared to others. Teen driver insurance is a must as it makes them on the safer side from the accident's as well as from the family point of view.
    Brevard Teen Driver

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