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Do You Need to Insure a Teen Driver?

One of the scariest things that any parent can do is to turn over control of the family car to a teen. It is almost as scary when we have to open up the new car insurance bill and see how much our favorite old insurer will charge us to cover our 16, 17 or 18 year old driver!

Student Drivers

Now as a student driver with a learner’s permit, the child is probably covered under the parent’s policy as long as they are properly supervised according to the rules in your state. Make sure you check with your insurer on this, but that is usually true. The real fun of buying insurance for your 16 year old comes when they graduate to a regular license with all of the rights that an older and more mature person has.

Did Your Policy Premium Just Triple?

Many parents have settled into a comfortable routine of safe driving, and so they get to enjoy lower premiums. But when they put their son or daughter on the policy, it all evaporates, and their old company may double, or even triple their rates! That is because teens are regarded by insurers as inexperienced and impulsive. In other words, they are high risks.

It isn’t just teens either, but all car insurance under age 25 can be a challlenge, especially for buys – who get dinged even more than their sisters do. If you need to find affordable young driver auto policies, you may have to do some work. And I don’t claim you can find really cheap policies, because that my just not be possible.

Tips To Help You Buy Junior Coverage

You may do something to convince and insurer that your own child is not as impulsive and scary as his classmates. An approved driver’s education class and a higher grade point average will actually help alot. Company statistics prove that kids who do go through the class, and who keep up their grades, tend to make less claims than their age group peers.

Use all of your clout too. The big car insurance companies usually discount for multiple policies. Consider moving your other drivers, and even your home insurance, to help you here.

Shop Around!

Of course, you will probably want to research the cost of student driver car insurance with online quote forms. These really do save time and money because you can enter your information one time, and then relax as the best companies compete for your bucks.

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