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September 16, 2011

5 Ways to Save on Teen Auto Insurance

5 Ways to Save on Teen Insurance

by Mollie Jones

If you have a teen driver in the family, you know teen insurance rates may be higher than for experienced drivers. However, there are ways to control teen auto insurance costs. Consider these five tips to start saving today.

1. Make sure your teen is driving the right car
The type of vehicle your teen drives can affect teen auto insurance premiums. For example, a brand new car may be more expensive to insure than a used one; its replacement cost is higher than most older vehicles and may be more prone to theft. However, older cars may be lacking several important safety features, such as side airbags, to keep your teen safe on the road – and earn them a safety discount on their policy.

2. Practice smart driving habits
An accident-free driving record can help keep your teen’s insurance rates reasonable. Help your child drive smarter by creating a teen driving contract. In the contract, outline specific driving responsibilities, privileges and consequences, like curfews, number of passengers, and when they are responsible for filling up the car with gas.

3. Raise deductibles
You may want to consider higher deductibles in exchange for lower teen auto insurance rates. Keep in mind that while your teen may pay a lower premium, they will have to pay more out-of-pocket if they’re in an accident. READ ALL

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