Unfortunately, teens are among the most expensive drivers to insure. They are more likely to be involved in accidents than adult drivers, so auto insurance rates often reflect this. However, there are a few tried and true ways to find a lower rate to cover your teen.

Getting a Lower Quote for Auto Insurance for Your Teen

1. Check your Options

Try getting quotes for yourself with your teen added on your policy, and also try getting quotes for your teen on a standalone policy with their own vehicle. You also might consider adding extra coverage beyond the standard liability coverage to protect your teen in case of an accident, but request a higher deductible, so the premium won’t go up. Higher deductibles mean lower premiums.

2. Buy Them an Inexpensive Car

An older, less expensive car will definitely be cheaper to insure than a new one. This is because newer cars are rarely totaled, and it can be exorbitantly expensive to fix a car after it’s been in an accident. Even though older cars are sometimes more expensive to repair, they are valued at less and are more likely to be totaled during an an accident.

3. Find Discounts

There are some discounts reserved especially for teens, and some are available to all drivers. Your teen might be eligible for extra discounts if they have good grades or if they take an extra driver’s safety course. Auto insurance also tends to be cheaper if you maintain a good driving record, have low annual mileage, and have added safety features to the vehicle, such as automatic seat belts or airbags.

Steven Hall – Farmers Insurance offers a wide range of insurance coverage, from auto insurance and homeowners’ insurance to life insurance. Founded in 1928, this insurance agency has served residents of the Mountain Grove, MO, area for generations. Contact Steven Hall by calling (417) 926-7900, or visit the insurance group online to learn more about obtaining reliable, local auto insurance.