Saving on your teen’s car insurance

By March 29, 2015AUTO INSURANCE
Saving on Your Teens Car Insurance

Car insurance rates for teen drivers are higher than for other drivers, but there are easy ways to save. If you have a teenager, you can take some of these steps now. Or, if you have a son or daughter who might be a teen driver soon, you can implement these steps early and save even more money.

  1. Grades: Many insurance providers offer discounts for good grades. The theory is that if a teenager has at least a B average in school, then the teenager will be a safer, more responsible driver. Insurance providers consider responsibility in studies to be an indicator of responsibility in driving.
  2. Driver's Education: Take driver's education before you start driving. Even if driver's education isn't required in high school or even offered, find a company that does offer the training. Teens who take driver's education gain more skills and are less of a risk for insurance companies. That may result in lower insurance premiums.
  3. Driving Course: After completing a driver's education course and getting a license, take another driving course. Many insurance providers see this is a sign of responsibility, which translates to less of a risk. Many insurance providers will give an additional discount for a second driving course.
  4. First Car: Avoid purchasing a fancy car as a first car. Ask your insurance provider which cars have the lowest premiums, and purchase one of those as a first car.
  5. Deductible: Select a higher deductible. Save the money needed for the deductible and put it in the bank. Then save on premiums.

Just because you have a teen driver or are a teen driver, you don't have to break the bank. Use one or all of these five ways to save. As you age and prove you are a safe driver, your insurance premiums may decrease.

Learn more about saving today. Call Hotwire Insurance Services at (858) 277-2719 for more information on San Diego auto insurance.

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