How can I lower my car insurance rates for my teen driver?


For most parents that worry about their teenagers that just started driving, insurance rates are one of the things they think about. There are a few thing you can do as a parent in order to lower the rates of your teenage driver. Before anything else, it is important to be patient with your young driver’s insurance. Don’t be in a hurry to add your child to your policy when he/she is just starting to learn to drive. You should try to wait until he has his permanent or professional license. This should give you ample time to do research and look at the different rates out there.

After your child has a permanent license, try to find out if there are discounts your teen may be able to get. If your teenager is a model student or has a good record within the community, he or she might be able to have discount such as a good grades discount that gives the child a discount for having good grades in school. You can look up this information around the internet and in local your DMV. Try looking for quotes and discounts specifically aimed at young or new drivers.

Also consider buying an older, low-profile car for your teen to drive that will be less expensive to insure. Most young drivers that have an extremely large insurance coverage are teenage drivers driving a high performance car or a sports car. A young driver coupled with an extremely fast car makes an insurance company extremely nervous and the rates can be very expensive. If your child is determined to have a specific car, explain to him that an older, low-profile car will have to do for the time being. After certain time period, with a good record and experience behind the wheel, he can have a better car with much lower rates.

Most importantly, your teenage driver needs to have and maintain a clean driving record and follow any traffic laws in your state. A teenager with an accident record is an expensive proposition, and no matter how much you compare shop prices or insurance quote, his rate will still remain expensive. If your teenager has a bad record, it will take some time before he or she can get insurance coverage that is inexpensive. Comparing car insurance rates can be time-consuming, but it will save you a lot of money in the long run.