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October 31, 2017

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October 31, 2017

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Teen Drivers – Tips For Saving Money on Auto Insurance

October 31, 2017

Anxious?

 

If your son or daughter has recently reached the age when they are starting to drive, you’re likely experiencing enough anxiety without thinking about what your teen driver is going to do for your car insurance rates!

 

Inexperienced drivers usually come with high insurance premiums, and having the facts about insuring your teen driver before contacting your insurance company will ensure you’re ready to find the best value for your insurance dollars.  Read on to find tips about saving on auto insurance if you have a teen driver.

 

How Insurance Companies Include Additional Drivers

 

Some insurance companies assign the most expensive car to the most expensive driver, making them the primary driver for that vehicle whether or not this actually reflects the circumstances.  If you have a luxury car, this could cost you a fortune.  Your options are to buy your teen an older vehicle or switch to an insurance company that doesn’t use this method.

 

Shop Around

 

Getting the best deal with any major purchase involves shopping around.  Getting quotes from several companies before adding a teen driver may save you money.

 

Keep Their Grades Up

 

Most insurance companies look at factors such as your teen’s grades to measure responsibility, much as they would look at the credit score of an adult.  Requiring good grades as a part of their responsibility as a new driver is a good idea, both for them and your pocketbook.

 

Driver’s Education

 

Taking a Driver’s Education course often provides an insurance discount for teen drivers.  It will also give them the skills they need to be safe drivers.

 

Increase Your Deductible

 

This is always an effective way to reduce your insurance rates, but always be sure you choose a deductible that you can safely afford.

 

Keep Your Teen Accident Free

 

The best way to keep your rates down and your teen safe is to encourage safe driving practices.  This includes having rules about when your teen can drive, the number of passengers they can have in the car, and a no tolerance policy if they violate these rules.  Driving is a privilege, not a right, and instilling this mentality in them as new drivers will keep them safe through the years.

 

Ask Your Agent

 

Remember to ask your agent for her/his advice prior to any major changes to your household insurance portfolio.

 

For more information: Give us a call at: 661-235-5885.

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