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Because of their youth and inexperience, teen drivers are involved in more accidents and receive more moving violations than any other age group. For this reason, it usually costs considerably more to insure them. There are strategies to reduce auto insurance costs, though, and many of them have a positive impact on their overall lives. Here are some of the most effective.

3 Ways to Save Money on Auto Insurance for Your Teen Driver

1. Buy an Older Car

Instead of attaching your teen to the policy with a new car or 4x4 SUV, consider buying an older vehicle that costs far less to insure. It will save you the high cost of monthly auto insurance premiums on a late-model vehicle, and if they’re ever involved in a fender bender, you won't care as much about the dents and dings that result.

2. Complete a Safe Driving Course

Auto insurance in Indian Trail, NCMost insurers provide rate discounts for motorists of any age who complete a safe driving course. Students learn about traffic laws and defensive driving techniques to minimize trouble on the road. In most cases, completion of such a course will net you a 5% to 10% discount on auto insurance premiums. The course itself normally only costs a few dollars and can sometimes be completed online.

3. Get Good Grades

Auto insurers have found a correlation between responsible teen driving habits and scholastic achievement. They therefore frequently offer discounts for students who achieve a B average, make the honor roll or dean's list, or achieve some other type of scholastic merit. Ask your agent how your teen driver can qualify for a good student discount.

 

To have an experienced auto insurance agent help you design an affordable policy for you and your teen driver, contact Sun Valley Insurance in Indian Trail, NC. Since 2010, their friendly, helpful team has been assisting clients in and around Union County with their auto, home, business, and life insurance coverage. Visit their website to see a map and office hours or call (704) 282-1155 to request a free quote.

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