Getting Low Cost Auto Insurance with Teenage Drivers
Auto Insurance Quotes : It’s every parent’s nightmare and every teenager’s dream. The moment your kid gets his or her driver’s license, your anxiety as a parent goes up and you can pretty much forget about getting low cost auto insurance. While we can’t really help you with your anxiety (except to tell you to make sure your teen really does understand the danger he is in every time he gets behind the wheel, especially when he’s with friends who may goad him on “not to be a wus” and to drive faster and take more chances), we can at least help you save some money on your motor car insurance rates.
Make Sure they Study in School
This one should be a no brainer. After all, it’s in your kid’s own best interests to get good grades in higschool. That will improve her chances of getting into the college of her choice. However, it also makes sense for your kid to get good grades if you want to get lower rates on student car insurance. Good grades usually indicate a teen who is a safer driver and as such, many of the best auto insurance companies will give you lower rates when you add your kids with good grades to your insurance.
Take a Higher Deductible
This advice works well for getting low cost auto insurance regardless of whether you have a teen driver in the house or not. However, when you are busy pursuing cheap car insurance for young drivers, it can really make a massive difference. Go from a $250 deductible to a $1,000 deductible and you could halve your rates. The catch of course is that very often, you’ll get nothing for fender benders at all. Then again, fender benders should be settled privately anyway as long as there are no injuries so as to avoid jacking up your auto insurance rates.
Assign the Kids to the Clunker
This is a sneaky thing that some insurance companies do which can make your auto insurance coverage much more expensive even if it’s not true. Some insurance companies will automatically assign your young driver to your most expensive vehicle. This means that the Ferrari you bought for your mid life crisis could cost your twice as much to insure even though your kid knows he’d be dead if he ever laid a finger on it. Check with your insurer and compare auto insurance rates for assigning your kid to different cars. If your insurer insists on assigning your kid to the most expensive car in the house, consider either switching to a different company or buying him his own clunker where he has a completely separate car insurance rate from your own.
Get a Driver’s Ed Discount
If your kid hasn’t done the driver’s ed courses offered by her high school and instead learned on her own, insist she sign up for supplemental classes. They can make the difference between getting you that low cost auto insurance rate that you want or paying much more than you have to – the savings can be as much as 25%. What’s the one catch? These classes probably won’t make much difference in her driving habits, unless she gets something like 50-60 hours of instruction as opposed to the 6-8 hours most kids get from driver’s ed.
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