Getting Cheaper Car Insurance Rates for Your Teen Driver

So your teenager has just turned 16 and can’t wait to start driving. As a parent you worry about the safety of your child as they are set loose on the open road, gas prices, repair and maintenance expenses, and how you are going to afford the cost of teen auto insurance. There is no doubt that this is a stressful time for parents of young drivers across the country. You might have compared some auto insurance quotes already and might be wondering, “Why is teen auto insurance so expensive?” Well there are quite a few reasons why auto insurance companies charge outrageous prices for teenage drivers. The main reason is that young drivers are inexperienced, careless, and can be a serious hazard on the road. Not all teenage drivers are this way, but statistics are definitely working against them when it comes to auto insurance costs.

There are some things that you can do to lower the cost of your teen’s auto insurance. Start things off right. Enroll your teenager in a driver’s education course. They are more likely to learn good driving skills and safety techniques from an instructor rather than taking the driver’s ed course at home. Some auto insurance companies will even offer a small discount for teenagers that actually completed a driver’s education course.

Seriously consider which car you are going to allow your teenager drive. The make and model of the vehicle have a huge impact on your auto insurance premium. Stay away from sports cars and luxury cars. You probably want to go for an older vehicle that still has good safety features. If you have a really old car that isn’t worth much, you might want to consider only carrying liability insurance coverage on it. This will definitely help lower your car insurance rates.

Find out which discounts your teenager may qualify for. Most car insurance companies offer discounts for students that make good grades. Every company offers different discounts, so make sure you don’t pass up any savings you may be able to get. The best thing you can do to find affordable auto insurance is to shop around and compare quotes from multiple car insurance providers. You don’t have to stick with the company you are currently with, and you might find much cheaper rates with a different company. Finding cheap teen car insurance may be a difficult task, but if you are patient and do your research you should be able to find the best rate possible.

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