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Finding Affordable Insurance For Your Teenage Driver

American Government Special Collections Reference Desk

Finding Affordable Insurance For Your Teenage Driver

Nathan Roberson
December 4, 2012


Although your teenage driver may be excited about getting their driver's license, you may not be too excited about adding them onto your auto insurance plan. There's no doubt that your policy rate will increase with your teenager added on; however, you may be able to lessen the amount that your monthly payment increases. Nationwide conducted a study in 2010 involving 1,500 parents of teens and found that their auto insurance premiums increased by an average of $800 a year, simply by insuring their teenager. Here are a few suggestions from some leading insurance experts on how to find a low cost car insurance plan for your teenage driver.

1. Encourage your teen to do well in school: Many insurance agencies will offer policy discounts to students who maintain a certain grade point average. Students that keep a B average may qualify for the good student discount.

2. Make sure that your teen is enrolled in driver's education: If your teen has completed a driver's education course, they may be eligible to receive another discount on their auto insurance policy. While many students are required to take this course in order to receive their driver's license anyway, it is an easy way to earn additional money off of your monthly rate.

3. Ask your insurance representative about special teen driving programs: The implementation of teen driving programs have helped to reduce accidents caused by distracted driving. One such program involves the installation of a device that monitors your teens driving habits, such as seat belt usage, speeding tendencies, hard braking, and overall time spent behind the wheel. The insurance agency will then discount your policy for good driving behaviors. Another program offers an auto insurance discount if you agree to install a GPS-based system in your teen's car. Recently, a new technology has become available that actually blocks cell phone usage while the automobile is operating.

4. Choose the right car for your teen to drive: Whether you are purchasing a car for your teenager to drive, or they are driving a family car, make sure that it is safe. The insurance rates drop for safer models. You can go online to the Insurance Institute for Highway Safety and check how safe your car really is. You can also read about insurance losses by make and model of car. This will give you an idea of whether your car is going to be more expensive to insurance under your teen.

5. Compare car insurance rates: Go online to compare auto insurance rates for teenage drivers. You can get several online quotes easily by simply filling in some general information.

6. Make your teen responsible for a portion of the monthly rates: Giving your teen the responsibility of paying a portion of their auto insurance rates will help them to make wise decisions when it comes to driving. If they understand that their payment will increase if they get a ticket or traffic violation, they may try to avoid that situation.

Making good decisions that will benefit your teen is important. Not only do you want to keep them safe, but you want them to be able to have a wonderful driving experience. Car insurance will give you the peace of mind that your child is covered while on the road.

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Making good decisions that will benefit your teen is important. New Jersey car insurance will give you the peace of mind that your child is covered while on the road. This article has a few suggestions from some leading insurance experts on how to find a low cost car insurance plan for your teenage driver. Learn more about keeping your teen safe on the road at http://www.ifaauto.com

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