New teen drivers are considered "at risk" drivers. Because of their age and inexperience they are considered high risk. This means they pay more for auto insurance. But there are ways to reduce how much you pay.
Most policies allow the parents to add their teen children to their policy, thereby making the teens premium less then if the teen purchased their own insurance. If your insurance company doesn't allow this type of addition, it is time to look for a new insurance company.
Encourage your child to do well in school. Most insurers have a discount for "good student" young drivers.This is a win win situation. Not only does your child do well in school, but the premium for a good driver is saving you money.
Take a defensive driving course. Dicounts are given for the course and you have peace of mind that your teen is better equipped to deal with problems on the road. Defensive driving courses are good for both the young and the more experienced driver.
Lead by example. If your teen sees you using bad driving habits, then some of those habits may rub off on them. If you drive with more care and caution, follow the rules of the road and control "road rage" your teen will mimic your driving habits.
Sop around for the best deal. Just because your existing insurer used to give you the best rate does't mean you are getting the best one now . It is recommend you get at least five quotes every three years. Auto insurance is a very competitive market and that makes the consumer a winner when it comes to lower premiums.
In summary teen insurance need not be expensive. Add your child to your policy. Encourage them to do well in school. Make sure your child takes a defensivedriving course. Lead by example when it comes to driving and get at least five quotes on your insurance needs.
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