Is affordable auto insurance for teens possible to get?
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UPDATED: Nov 3, 2021
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- Once they receive their licenses, however, it will then be necessary to either officially add them to their parents policy or they’ll need to purchase individual auto insurance
- Before embarking on the road to getting a teen’s first driving license, it would be wise for parents and teenagers to familiarize themselves with the regulations set in their resident state and what makes teen auto insurance expensive
- Most auto insurance companies fully understand that there are specific needs involved with teen drivers, thereby requiring specialized coverage to support this time in their lives
- A teenager must learn is how to become a responsible driver and they’ll learn their basic lessons while watching their parents’ drive. Thus, it’s imperative that parents set good examples from which their children can learn.
In most states, when teenagers obtain their permits and continue to drive under adult supervision, they are covered automatically under their parents’ policy.
Once they receive their licenses, however, it will then be necessary to either officially add them to their parents policy or they’ll need to purchase individual auto insurance.
Enter your ZIP code into our FREE auto insurance comparison tool to find the best rates possible for teens.
Whether or not a teen can be insured at an affordable rate depends largely on whether they are insured by adding them to their parents’ insurance or by purchasing a first auto insurace policy for them alone.
It’s likely that the total annual premium will be considerably cheaper if teenagers are added to a single policy that includes all family members. See your policy options when you enter your ZIP code into our FREE car insurance comparison tool!
What to Expect When Preparing Teenagers to Drive
Before embarking on the road to getting a teen’s first driving license, it would be wise for parents and teenagers to familiarize themselves with the regulations set in their resident state and what makes teen auto insurance expensive.
The first thing they’ll find is that the laws regulating teen driving varies, sometimes extensively, in each state.
Also, since sheer inexperience is the main cause of accidents, graduated licensing (GDL) programs are instituted across the country that require teens to pass three stages of tests.
Each stage has specific restrictions that must be adhered to before teens can pass successfully through that stage.
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Types of Insurance Available to Teens
Keeping in mind that each company offers different coverage for teens to add a policy, the following are examples of the types of coverage available:
Most auto insurance companies fully understand that there are specific needs involved with teen drivers, thereby requiring specialized coverage to support this time in their lives.
- Lifetime Repairs Guarantee: When a car is fixed using one of the repair shops that is approved by the insurance company, there’s a lifetime guarantee on those repairs. Some companies may even assist in making the arrangements to have the repairs done.
- 24-hour Roadside Assistance: This is a welcome and much-needed benefit as parents and teens will have peace of mind knowing the teen is covered if at anytime they become stranded on the road.
- New Car Replacement Program: Through this program, money is issued for a new car in the event the car is totaled.
- Six- to Twelve- Month Policies: Most companies guarantee that the rates will remain the same for six to twelve months.
- 24-Hour Claims Assistance: Claims can be reported 24 hours a day, 7 days a week.
The Truth About the Price of Teen Auto Insurance
It’s a cold hard fact that accidents among teen drivers are considerably higher than among the older, more experienced drivers. This being the case, parents will be hard pressed to find affordable insurance for their teens when seeking individual coverage for them.
The overall most important fact a teenager must learn is how to become a responsible driver and they’ll learn their basic lessons while watching their parents’ drive.
Thus, it’s imperative that parents set good examples from which their children can learn.
Following are some valuable lessons to teach teenagers that will help to lower the costs of insurance immensely:
- The Importance of Being a Good Student: Maintaining good grades and an unblemished school record reflects responsibility so teens should be fully aware of how important it is to excel academically. A 10 – 25 percent discount can be obtained for being a good student.
- Traffic Violations Translate into Higher Insurance Rates: Parents should stress the significance of obeying traffic regulations. If teenagers are cited for violations like speeding and running red lights, they will be penalized by the insurance companies and insurance rates will be raised.
- Forget About Purchasing Extravagant Cars: When first learning how to drive, logic says it would be best to learn in a moderate car. Just as important, however, is the more expensive the car, the more it will cost to insure it and the fact that a teen is driving it makes the risk even greater. These facts should be stressed to teens to explain away their desires to have a fancy car and if they sincerely want to learn how to drive properly, they will understand and accept that used car instead.
- Comparison Shopping: Because of all the intricacies involved, it’s always best to do comparison shopping by obtaining several quotes from different insurance companies. It’s a good idea to have teens engage in this ritual with parents so they too can learn precisely what’s involved in the auto insurance process. They should be taught to look closely at the details of each policy because while they may think it’s a good idea to save money by choosing the lower rate, cheaper doesn’t always mean sufficient coverage. Currently, checking quotes online allows customers to conveniently compare multiple benefits and quotes at the same time.
By far, the simplest and most cost-effective way to save is to add teenagers to the parents’ policy.
In most cases, restrictions apply to benefits given by any insurance company so once again, people are advised to obtain all the facts before purchasing any insurance.
When added to parents’ policy, teens then have a couple of years to establish their own driving records and if they do well, they will then be eligible to obtain reasonably priced insurance on their own.
Our FREE auto insurance comparison tool can help your teen driver find the rates possible.
However, no matter which way the insurance is obtained, parents should make sure that their teenagers share in the responsibility by having a primary focus on setting a good driving record.
The last thing a teen wants is to have their driving privileges revoked so perhaps presenting this possibility as an ultimatum can be the driving force that will keep them on the right path.
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