When your teenager is now legal to drive and passed their driving test, have received the necessary permits and having the interest to use your family car then you need to get ready! The next big step is to find a car insurance policy that covers teen auto insurance. With a higher percentage of teens involved in car accidents nowadays, it's probably no surprise that most insurance policies charge higher rates for teen drivers.
Check with your Insurance
When your teenager is ready to drive, check with your insurance provider to determine their rates. Some parents will stick to their current insurance company or add their teen to a personal policy. But comparison shopping may show that it's actually cheaper to start a new policy for your teen or begin a plan with a new company.
Get the best deal
Some insurance companies specialize in teen drivers while others charge more in order to discourage reckless teens to get their policies. Look around, talk to your friends in order to get the best rate and find a company that your teen can stick with for the long-run. Before purchasing a new vehicle, you can research car insurance quotes online for a variety of makes and models to help you make an educated choice.
Teen auto insurance rates may stay high until the age of 25 when a person is considered an adult, picking a car that keeps them safe may increase the odds of a low premium once they become an adult. A sports car that has a higher rate of being stolen may add up to higher premiums than a safe car.
Maintain High Grades
Sometimes the score that your teenager got when they took the Driving test matters. Students with a B or better grade average may be eligible for a discount on teen auto insurance. Discounts for good grades can range from 5-10%, so it's beneficial to ask your insurance company whether they offer discounts, as well as to encourage your teen to continue striving for good grades.
Other insurance companies offer discounts for taking driver education courses and having a safe driving record for specific lengths of time. This will result in avoiding high premiums due to accidents or traffic violations.
Keeping track of your teen and making sure that they practice safe driving habits are important factors in securing your teen's safety. We aim to provide comprehensive insurance policies that makes your life easier. You can get more information about our products and services by calling our agency at (319) 393-5262. Get your free quote today by clicking here.