Car Insurance for Teen Drivers
According to the Centers for Disease Control and Prevention, teenage drivers aged 15 to 19 are four times likely to get into a crash than older drivers – making car crashes the number one cause of death for teens.
Adding a teen driver to your policy will drastically increase your car insurance premium.
However, this is a better option than buying a car for your teen and setting him/her up with his/her own insurance policy
Tips to reduce the car insurance premium.
Drop collision and comprehensive coverage entirely on older cars that are worth little more than the deductible.
Raise your comprehensive and collision deductibles, this will lowers your premiums and avoild filing small claims that could jeopardize a claims-free discount.
Help your teen learn the laws and follow them to the letter. By far, the best way to lower car insurance costs for teens is for them to keep their driving record clean. Make safe driving a family project. In some states, restrictions apply to new drivers. Parents should know what the laws are and insist that their sons and daughters follow them.
Set a good example. Do you break the speed limit and tailgate? Do you yell at other drivers when you’re behind the wheel? If you do these things, how can you expect your children to act differently? Start watching your own driving long before they get their license and you’ll have a much easier time convincing them to be safe drivers.
Ride with your teenager. Let your son or daughter take the wheel while you sit back and relax in the passenger seat. If you see them doing something that breaks rules or seems unsafe, point this out in a diplomatic way. If they are doing a good job driving, praise them for their efforts.
Safe Driving Tips
- Talk with your teenager about safe driving, as well as how traffic violations will affect your rate. Put the phone down.
- Driving while talking on the phone, dialing or texting distracts a teen, and increases the incidence of car accident and high insurance for teen.
- Keep the number of car passengers to a minimum. The more people riding in the car, the greater the likelihood of accident—and high teen insurance quotes.
- Slow down. 90 percent of teens admit to speeding—one of the main causes of teen car crashes—and higher insurance for teens.
Lay down some ground rules before he or she gets ever gets into the driver’s seat! By laying down a few ground rules, you can help your teen approach the wheel with a mature attitude—and save money when covering your young driver. Driving is a privilege your teenager should respect.