Getting Auto Insurance For Teens Can Be Tricky

So your teen is driving. You are one happy parent as you don’t have to drag them here or there. However, getting auto insurance for teens can be a tricky business. There are several things you should know before you start.

Auto insurance for teens is always more expensive. There are several reasons for this. Teens are less experienced drivers, are more likely to have an accident, and are twice as likely to have a car crash than adults. This is why teenagers are always charged more.

However, there are ways to lower your teen’s car insurance rate. First, raise your teenager’s deductible. The deductible is what you pay before your insurance pays. It actually makes sense if you raise your deductible from $250 to $1000. Paying a high deductible will lower your premium quite a bit.

Second, when your teenager is driving, make sure that he or she does not have a bad driving record. Things like having a DUI or multiple offenses can really make your premium go sky-high.

Third, require your teenager to attend a driving school. Many insurance companies have programs that provide discounts for students who have attended school. Check with your company.

Fourth, get an insurance-friendly car. Check with your car insurance company to see what a good driving car would have to do with your premiums. Some insurance companies require that you have a certain car for your teenager. Otherwise, it would be best to get a car that is insurance friendly.

Fifth, enroll your teenager in driver’s education classes. Even if your teenager is a good driver, insurance companies still give discounts to teens that have taken driver’s education classes. This is another way to get a discount on your teen’s car insurance.

Sixth, consider having a high deductible. This means that you will be required to pay more out of pocket before the insurance company starts to pay. If you are a good driver, this can also lower your premium.

Seventh, do not use your insurance to cover every little incident. You can simply have a minor accident in many occasions, yet the insurance company will be quite pricey. In this case, the best thing to do is to have a clean driving record.

Lastly, do not be afraid to play the companies off of one another. Sometimes they could get the best deal, even though you did not go with them. Do not be afraid to do the yearly battle. It can pay off with savings on your teen’s car insurance.