It’s no secret that teens generally have more frequent and more expensive auto insurance claims than any other group, which is why they tend to pay more for teen car insurance. In fact, for both men and women, drivers between the ages of 16 to 19 have the highest annual crash and traffic violation rates of any other age group. Before your teen starts driving, make sure they are aware and informed about the dangers of stepping behind the wheel, as this will only help them take more responsibility on the road.
From your end, however, other than worrying about your child’s safety, you’re probably also a bit concerned with seeing your car insurance rates skyrocket. Well, don’t fear. Even though there’s no real way to get around the high rates of adding a teenager to your policy, there are several things that you can do to bring the premiums down for teen car insurance.
1. Don’t get your teen a sport’s car. This is basically just begging your car insurance company to raise your rates because they will see it as a red flag and recipe for disaster. Teens are high risk drivers because they don’t have experience. So, put your teen in a safe, sensible car and you’ll see your premium fall a little.
2. Get your teen enrolled in Driver’s Ed. There are approved courses taught in many high schools, and having your new driver take one of these will help bring your teen car insurance rates down. Once your child passes the class, make sure to take their certificate to your auto insurance company ASAP.
3. Encourage your teen to get good grades. Many auto insurance companies offer discounts to students who maintain a high GPA. In their minds’, a teen who studies and keeps their grades up is more likely to be responsible in other facets of life (eg, driving). If an auto insurance company doesn’t offer a good grade discount, well, there is no wrongdoing in getting good grades!
We know that your teen starting to drive can be scary, and can also put an extra unwanted dent in your wallet, but we hope that these tips will help to ease the burden at least a little bit. And just remember that if you’re insured with SafeAuto, not only are you getting the most reliable teen car insurance coverage, you’re also getting the most affordable. Visit our website today for a free teen car insurance quote.
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