Finding affordable auto insurance quotes for teenagers
It’s finally happened. Your son or daughter is finally old enough to legally drive the family car, and even passed their drivers’ test. But there’s one more step to take: finding affordable auto insurance quotes to get them covered in case of any accidents.
Parents are often stressed about their kids starting to drive, and not just because it makes them nervous. The added cost of insuring a teenager can be very high. That’s why it’s so important to compare auto insurance quotes from different companies to find out your best options.
Although your teenager might see insurance as just one more obstacle standing in between them and getting on the road, it’s important to educate them as much as possible. Driving is a responsibility, not a right, and carries very serious risks with it that are not to be taken lightly.
There are several ways to lower insurance rates for teens. Parents can start by including them under their existing policy. This is almost always cheaper than purchasing a separate one just for your teen.
The more experienced the driver is, the more monthly premiums will drop. Some companies offer discounts if teenagers take an approved driving course or class. This may or may not be in addition to what your state requires for legal licensing.
Avoiding tickets and citations also help to keep rates low. Teenagers are already considered unsafe drivers; too many traffic violations and they may find themselves unable to find insurance at all. Insurance companies have the right to cancel your policy if they feel you’ve become too high a risk factor.
Maintaining good grades can help offset high auto insurance quotes. Good students tend to go hand in hand with good drivers. Driving a less expensive vehicle can also lower rates. Older cars might feel boring to drive, but they can save you a bundle. Be sure to keep safety features current, though. Daytime running lights, airbags, and anti-lock brakes can all lower your premiums.