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Car Insurance for Teenagers

Car insurance for teenagers can definitely be costly ventureThe happy day has arrived! Your teenage son or daughter has taken the drivers license test and passed with flying colors. You have a teenaged driver in your house. Of course, NOW you must look at car insurance for teenagers and this could take a bit of the joy out of this milestone event.

You COULD just refuse to let your teenager drive at all until he is older. But I dare say that would not make for a pleasant environment in your household. There are other ways to avoid using your life’s savings to obtain car insurance for teenagers, though. You just need to do a bit of research before making the final decision.

If the car being driven is an older model, this can help you save a bit of money on the insurance premium. Older cars are heavier and harder to drive recklessly, which makes them safer. While your teenager is probably not going to be thrilled with this vehicle choice, it is a way for him to get insurance and start driving immediately. If you drop collision and comprehensive damage on this car, opting for liability only, you will have an affordable premium. The physical damage coverage on a car is where you really pay through the nose.

Driving history will be another factor in obtaining reasonable rates in car insurance for teenagers. If he is a safe driver, avoiding tickets and accidents, his driving record will speak for itself. However, he will not have a driving record to consider when obtaining insurance for the first time. Here is where graduating from a good driving school might just make a difference in the premium.

Some insurance companies will award a discount to first time drivers if they have at least a B average or higher in school. This discount can be quite substantial so it would be advisable to shop around for companies that will do this.

Another way to obtain car insurance for teenagers is to simply add your son or daughter to your existing policy. While this is a fast option, it could almost double your premium at first. Once your teenager is shown to be a safe driver, this cost will decrease as time goes on. You could also choose to add him as just an occasional driver, which will give you a bit of a break. If you choose this option, and combine it with adding him to just an older car you own, you will save even more money.

Car insurance for teenagers can definitely be costly venture for you. However, by applying some of the above suggestions, you will not have to take out a loan to pay the premiums.

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