How to Obtain the Best Auto Insurance Policy for Teens

Shopping for auto insurance for your teen may be easier than you think. Easy research can reveal many reputable insurance companies that offer reasonable quotes for your new driver. In addition, there are a few things you and your teen can do to make sure that you enjoy the cheapest insurance rate.

Your Current Insurance Company

You should first speak with your current insurance agent. If you have an insurance company that already insures your automobile, home, or life policies, it is quite possible to obtain affordable auto insurance for your teen as well. Insurance companies prefer loyal customers, and it is likely that you can receive a discount for adding additional teen drivers to your current policy.

Make the grade

Good students are more likely to be safe drivers as well. Insurance companies usually reward good students with insurance discounts for teens who maintain a B-average or higher.

Even when your teen graduates high school and goes to college, be sure to inform your insurance company. They will continue to insure your teen as long as he or she remains your legal dependent. Have your student provide copies of grades each term. Your insurance company will want to confirm that your student maintains good grades and is still enrolled each term in order to continue a cheaper rate for student discounts.

Driver's Education

Teens who successfully complete an approved driver's education course are likely to receive a reduced car insurance rate. Encourage your teen to enroll in a course offered at school, or enroll him or her in a private driver's education course. A professional driver education course will not only teach driving "by the book," but will also provide practical driving experience, including passing, parking, and turning on both city and highway streets with a trained instructor and a safe driver education vehicle.

4-door or Coupe?

The make and model of automobile that your teen drives will also have a big impact on the auto insurance premium rate. While teens prefer driving a fast sports car, they will also be more likely to experience an accident in this type of car. If you allow your teen to have his or her own automobile, you will save a lot more on insurance if they drive a used 4-door sedan in good shape. Older cars will also save you money on collision and comprehensive car insurance.

Cheap is not necessarily better

"You get what you pay for" is the old proverb which remains true for car insurance as well. If you are looking for affordable auto insurance for your teen and you think you have found a good deal, be sure to double check the policy offered for multiple exclusions, limitations, and high deductibles. "Cheap" car insurance could be just that, and not cover you when you need it in the case of an accident.

Teens can be responsible and safe drivers. Encourage your young driver to continue with safe driving and good grades. You could be rewarded with reasonable and affordable car insurance.

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