How to Get Cheap Auto Insurance for Your Teenage Driver

One of the most exciting times in the life of any teenager is when they are on the cusp of getting their driver’s license. This is also one of the most stressful times for the parent of that eager driver-to-be. Car insurance is costly regardless of a person’s age, and it’s even more so for new drivers. There are things you as a parent can do to get cheap auto insurance for your teenage driver.

Every teenager should take a driver’s training course. Not only does this teach them the basics they need to be safe and law abiding drivers, but it also cuts the cost of auto insurance. Virtually every auto insurance company offers a percentage discount to teenagers who have completed and passed an approved driver’s training course. Parents should note that the course itself may cost several hundred dollars but there is an immediate savings on the auto insurance rates. If the parent is a member of an auto club they may even enjoy a discount on the course itself.

Another great approach for parents who want to lower the cost of their teen’s auto insurance rates is to make them a secondary driver on the family car. When a teen is the primary driver on a car, the insurance rates are usually astronomical. If they are listed as an occasional driver on a car that their parent drives, the premiums drop. The only drawback to this is that the teen doesn’t have access to the vehicle all the time, but a parent will likely see that as a benefit along with the reduced costs.

Naturally speeding tickets will increase the premiums on the family’s policy so a parent needs to be vigilant about reminding the teen to obey the rules of the road. If they do, the reward will be not only lower rates but a safe teen too.