Easy Steps For Obtaining Cheap Teen Car Insurance

Teens can be quite unpredictable and prone to reckless driving. Furthermore, the increase of entertainment gadgets and smart devices increased the risk of distracted driving. So, as expected, teen car insurance is pretty high. Still, there are ways to reduce the costs. Follow the next steps and you will surely get some price cut-offs. Also, get auto quotes online from our website and compare prices.  Check the following “to do” list:

  • Shop around. When adding your teen to your policy, it is wise to get quotes from multiple insurers even if you’ve been with the same company for years. One way to shop around is by getting online insurance quotes for teens. Or, an independent agent or broker can shop multiple insurers for you.
  • Tie car privileges to good grades. Many insurers offer good student discounts, usually for kids who have a solid A or B average on their report card. If your child makes straight A, you’re in luck. If not, it might pay off to encourage your teen to study harder before you hand over the car keys. A good student discount could shave 25 percent off the base rate for young drivers.
  • Take a safe driving course.  Enrolling your child in a defensive driving class could lower your auto insurance costs. Some big companies offer as much as 30% discount.
  • Consider a policy with accident forgiveness. It’s not uncommon for teens to have an accident, even if it’s just a run-in with a lighting-pole, while they’re getting comfortable behind the wheel. However, if you get a policy with accident forgiveness, the first accident will not hike your rates.
  • Make your kid sign a contract. Making sure your teen drives safely is important both for your peace of mind as a parent and your insurance rates. Teach your teen about safe driving practices like not drinking and driving or putting the phone away while driving. After acknowledging these, make sure he offers a commitment in writing to the insurer.

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