Are you looking to insure your teenager and trying to figure the best way to do it? What is the most cost effective way to buy auto insurance for teens? Should they be on a single insurance policy or will it be cheaper to add them to an existing policy? Will it be cheaper to get car insurance from a different insurer than yours or can you get discount with you existing one? This article aims to cover all these questions so you can make better decision when looking for affordable car insurance quotes for your teen.
Shop Around for Best Deals
It’s no secret that teenagers or young drivers in general are rated the most the expensive group to insure. This is because car insurance providers put them on high risk category as they are considered lacking driving experience. Getting a low rate quote for your teenager is possible by doing some simple research. This will consist of checking with insurance companies that are known to offer a cheap quote for teenagers. You will also need to check with local insurers in your area or state to find out which one is able to provide you with the best insurance premium. Trying to contact every available company to request quotes will take you hours or maybe days, but we have made the process simple. By typing your Zip Code at the end of this article or in other areas of this web site, you are able to compare the best insurance companies in your area within minutes!
If you are having trouble finding search box, click here for available car insurance quotes in your area. You can start by typing a Zip Code and click then click Get Free Quotes. This will return best quotes from auto insurance companies available in your area. The first one you choose might not be the best one for you, but you can go back and select another one. Using this process makes shopping around easy, as you are not limited to one insurance provider. Instead you are getting quotes from different companies available in your area.
Ask for Discounts
We all know about special offers and discounts, but many people don’t take advantage of them. Discounts and offers are a valuable way to get the cheapest and best quote for you teenage. The first discount you should attempt to you use is student discount, which is available with most insurers. This is a discount commonly offered to teenagers in colleague or high school and it allocated depending on the grade the teenager is currently in. Not all insurance company accommodate for this type of discount, so it’s important to check before you buy.
Adding your teenager to your insurance policy is another way to get discount. Although the price of your insurance policy may increase but it’s a lot cheaper than insuring your teenager on a separate policy.
Another discount that can reduce a teenager’s car insurance policy is good driver discount. This can be obtained by providing adequate proof to your insurance company that the teenager is a good and safe driver. The proof is usually a result of some special driving course, or simply 2 or 3 years of good track record of driving. Some insurance may not apply any exceptions and will consider you teenager a high risk driver just for the age only. Again, it’s worth checking with your insurance provider to find out if your teenager could qualify for any discount.
Buy a Small Car
If you give your teenager a choice of which car should you buy them, it will often by a high performance or sport car. It’s irresistible for a teen to be zooming through the roads with car capable of going from 0 to 60 miles per hour in 5 seconds. However, that doesn’t go down well when it comes to getting an insurance quote. Teenagers and sport cars are often seen as bad combination with insurance companies. Therefore, it’s highly recommended that you buy a small or cheap car for your teenager, especially if it’s their first car. There are 2 advantages here:
1- If your teenager happens to have an accident where the damage occurred only to the car, you don’t have to be too worried about claiming insurance for the car as it’s often cheaper just to get a new one.
2- Cheaper insurance premium as insurance providers see the car as less expensive and can be replaced or repaired at low cost.
Driver Support: Advice and Guidance
Guiding your teenager on safest ways of driving can go a long way in ensuring their safety and saving on car insurance coverage in the long run. Experienced drivers often have a lot of tips and advice to share and you should consider dedicating some time to check on your teenager’s driving habits and offer advice and support.
In short, there are many ways you could save on your teenage car insurance. Not all of them may apply to your local insurance providers, but it’s important to shop around and request quotes from different insurers to find out the cheapest and best quote to insure your teenager.