When your teen gets their driver’s license, the first thing on your mind will be finding them the best auto insurance policy possible. However, for most parents, finding the best coverage for a brand-new driver can feel challenging. The team at First State Insurance Agency in David City, NE, wants to help. They explain how to go about finding the best coverage for a new driver, whether they’re heading off to college or just starting driver’s education.

Remember, Accidents Happen

Teen drivers are always more likely to get into fender benders. After all, they’re just learning how to drive and haven’t figured out the dimensions of the vehicle or mastered the rules of the road. With this increased risk of accidents, it’s important to consider getting comprehensive coverage for your teen. This way, the policy will help cover the cost of repairs, whether they’re involved in a collision with another vehicle or accidentally back into the garage door.

Ask for Discounts

Adding a new driver with minimal experience to your existing auto insurance policies will raise the annual premiums. However, there may still be a few discounts available to help offset the cost of adding a new driver. Teen drivers can qualify for good student discounts based on their GPA, and you may be eligible for a multipolicy discount after adding them to your coverage. When adding another driver, ask about available discounts.

Opt for a Cheaper Car

Rather than encouraging your teen to buy the car of their dreams, consider directing them towards a cheaper car. More affordable and older vehicles are less expensive to insure, saving you money on your monthly premiums.

If you’re looking for an affordable auto insurance policy for a new teenage driver, let the experienced agents at First State Insurance Agency help. Their friendly staff understands that insuring new drivers can be a stressful experience for parents and will help you find the most affordable and thorough coverage possible to keep your teen safe on the road. Learn more about their coverage areas online and call (402) 367-3177 for a free no-obligation insurance quote from their Beatrice, David City, or Hickman offices.