It's a bridge that every family with children must cross at some point. Inescapably, those cute little babies grow up into teenagers, and with the teenage years comes that great parental headache generator: teenage driving. Beyond the need to teach responsible driving and the process of entrusting the teenager with increasing personal freedom, the parents also have to pay for this new stage of life. One of the most significant costs incurred during this period is the cost of paying for teenager car insurance. It's no secret that teenage driving carries more risk than any other age group, and insurance companies pass this risk along to families in the form of sometimes astronomical insurance premiums.

Even though it is standard practice in the insurance industry to charge higher rates for teenager car insurance, there are several ways that parents can find cheaper rates and obtain discounts on the premium costs. The first and most important step is to shop around. Online shopping has made it incredibly easy to obtain multiple quotes. Often, parents find that they can save simply by shopping around.

There are also several other discounts that are available to teenagers. First, the parents should add the teenager to their existing policies, and if feasible, should hold all the families auto and homeowner policies with the same company. Many companies offer substantial discounts for holding multiple policies. Second, the type of car is extremely important. Sports cars, luxury cars, and SUVs all command higher insurance rates than sedans do. Parents may find it helpful to talk to their insurance agent before purchasing the teenager's car, in order to find the best rates on teenager car insurance. Most companies provide additional discounts for providing proof of good grades (usually a "B" average or higher), and completing a drivers' education course will also help the family keep the premiums lower.

In addition, most families can save on premiums by choosing a higher deductible. However, this step needs to be done only after proper research and saving. It's generally a good idea to require the teen to keep the deductible amount in savings if a higher deductible is chosen to lower premiums. One word of warning in the search to save on teenager car insurance would be to double check that adequate coverage is being purchased. Don't drop collision coverage, or other important features, in order to save a few dollars a month. In the long run, sacrificing coverage often ends up costing more than simply paying a higher premium.



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Q: Why does it cost so much to get auto insurance for young drivers?

A: Getting auto insurance for this category of drivers is expensive because most insurance companies charge the highest premiums for the drivers that they believe are most likely to put in claims. Statistically speaking, these drivers comprise the largest group of those making claims. One reason for this that teenage drivers are less experienced on the road and tend to have more motor vehicle accidents. While these drivers actually comprise a small percentage of drivers, they are most often involved in car accidents. Another reason for the high cost of insurance for young drivers is that they do not have a driving record and therefore are not usually eligible for a discounts related to having a good driving record.

Q: What can one do to reduce the cost of getting insurance for young drivers?

A: Consider an accredited driver safety course or program such as defensive driving for your young driver. Some insurance companies sponsor them, and most will give considerable discounts for these drivers who have completed them. The thought behind this is that defensive drivers are safer drivers. And in consideration of the statistics regarding teen drivers, insurance companies feel better about insuring a teen who has completed a certified course in defensive driving. Look into programs and courses that will help reduce the cost of insurance for young drivers.

Another way to reduce the cost of auto insurance for teenage drivers is to put them into a safe car. The cost to insure these drivers will be more expensive if they are going to be driving a sports car, expensive car, or SUV. You can save up to 50% on car insurance premiums by insuring them in a car with a high safety rating. If possible, have them driving a car with a lot of safety features such as side-airbags, automatic seat belts, and anti-lock brakes. This can help to keep your teen save and save on car insurance premiums.

There are also some other simple factors that can help keep the cost of auto insurance for young drivers down. Keeping good grades can qualify these drivers for a discounted rate with many insurance companies. Keeping the miles driven by the teen to a minimum will help to reduce the premiums as well. Driving only when necessary at the beginning will allow the young driver to compile a clean driving record while paying less for insurance. This will help to keep the auto insurance for young drivers costs down as they get older.



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Auto insurance can be very expensive, but you would regret not having any insurance coverage at all. If you choose against an insurance policy, all the costs associated with repairing your car would all have to be payed for by yourself with no financial support.

Therefore choosing the right car insurance policy is important so as to ensure you don't pay too much on your premiums.

So what can you do to find cheap inexpensive auto insurance?

There are actually quite a few techniques that you can consider that will actually help lower your quote, and implementing each of these will quite dramatically lower your overall insurance premium.

We will cover just a couple of techniques below:

Increase Deductible

The deductible is the what you actually agree on paying before your insurance company pays. The deductible amount can vary quite a lot and can differ by several hundred dollars. The key here to reduce your premium however is to increase your deductible.

The amount you can save on your premium depends on the insurance company, so it worthwhile to compare.

Insurance Company Discounts

There are actually many discounts available by insurance companies. Each company may offer several types of discounts, so again you need to investigate and compare.

For example some insurance companies offer discounts if you choose your home and car insurance with them. Also there may be additional discounts if you choose to insure your other cars with the same company.

In each case, it is important that you take the time and review several quotes and investigate the deals you can actually get. This extra time in investigation will help you get a cheap inexpensive auto insurance quote.


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