Insuring teen's car
As soon as your teenager gets their drivers license and begins to drive, notify your insurance agent that there will be an additional driver in the house. Since teenagers are inexperienced drivers, they tend to get into a lot of accidents, and consequently will pay more for their car insurance than experienced drivers. Car Insurance rates are as much 50% higher for teenage girls and teenage boys can expect to pay as much as 100% more for their coverage.
Some ways to keep increased car insurance costs down with teenage drivers in your family include:
Include your teen driver on your policy
It is generally cheaper to add your teenagers to your car insurance policy than to purchase a new policy for them.
Let your insurer know if your teenager is going away to school.
If your teen driver lives away at school ? at least 100 miles from home ? you are entitled to a discount for the time they are not around to drive the car. This, of course, assumes that they don't take the car with them to school.
Incent your teen to get good grades and to take a driver training course.
Most companies will give discounts for getting at least a ?B? average and taking a driving course.
Shop around for the best rate
Car insurance companies differ dramatically in what factors they use to set rates for young drivers. Compare car insurance quotes to find appropriate coverage at an affordable rate.
Pick a safe car.
The type of car your teen will be driving will dramatically affect the price of car insurance. They should drive a car that is not only easy to drive but will also offer protection in the event of an automobile accident. You should avoid small cars and those with high performance images that might encourage speed and recklessness. Trucks and SUVs should also be avoided, since they are more prone to rollovers.
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