Trying To Insure Your Teen About To Get Their License? Use These Tricks

If you have been looking at what it's going to cost you to add your teen to your auto insurance policy, and you have to get them a car, there are some things that you can do to help keep the costs low. You can save money in a variety of different ways when you are shopping around for auto insurance, even for a teenage driver. Research all these different things, and find out what you can use to your advantage to keep the rates low.

Research Safe Cars

You don't want a car that will have a high insurance cost based on the model and make. Instead, you want to focus on getting a vehicle that has high safety ratings and that is more affordable to insure. A car with these things may get discounts or a lower rate:

• Antilock braking system
• Backup cameras
• Security system
• Air bags
• Electronic stability control
• Lights that run at all times

Not only will you feel better that your teen is driving a vehicle that has great safety features, but the insurance company will also like to see it.

Get Extra Training

Don't just do the bare minimum for driver's the education options and courses in your state. Instead, make sure that they go through a highly accredited drivers training program. Look for additional training opportunities like a defensive driving course that some states offer. This way, it shows the auto insurance company that your teen is serious about safe driving.

Show Off Good Grades

You need to show off your teen's good grades if they have them. Many auto insurance companies will offer discounts for drivers that carry a certain GPA. This could help to make the rates more affordable as they go into college as well if they can carry the GPA.

You may have to put them on their own policy if you don't want to have the rates go up for your entire house, and if you don't want your teen insured on all the vehicles for your household. Talk with the auto insurance agent to find out what will be the most affordable option for your current situation with your teen, and about the car that you need to get them. If you decide to switch companies, you may get a discount for switching to a new provider, and then you can compare other rates when your policy is up.