When your teenager finally earns their driver's license, it is a reason to celebrate. However, it may also cause your auto insurance rates to skyrocket. Teenage drivers are notoriously expensive to insure because of their youth and inexperience behind the wheel. To help guard your budget, below are some tips to reduce the cost of auto insurance for teens. 

3 Ways to Reduce Coverage Costs for Teenage Drivers 

1. Have Them Complete a Driver Safety Class

Many insurers offer discounts to drivers who have completed a state-approved driving safety class. These are normally inexpensive and can be done online. They teach defensive driving techniques, methods to avoid road rage incidents, and a refresher in state and local traffic laws. Ask your auto insurance agent to recommend a class that insurers in your area have approved.

2. Report Their Grades 

Another way to reduce your teen's auto insurance premiums is to encourage them to do well in school. Most insurers offer a discount to school-aged drivers who receive a B average or better or those who earn a place on the Dean's list or honor roll. Ask your agent if your carrier offers such a discount and what your teen must do to qualify.

3. Choose a Safe Car

Instead of adding your teen to the policy of the family luxury car or sports utility vehicle—which are expensive to insure in their own right, purchase an older, less expensive vehicle with as many safety features as you can find. For instance, vehicles with side airbags, stability control, and anti-lock brake systems often cost less to ensure than less safe vehicles do. Moreover, you can save even more by having an anti-theft device installed.

For affordable auto insurance for your teen driver, contact Beadle Insurance Agency in Lubbock, TX. They are locally owned and operated and have served clients throughout Northwestern Texas for more than 40 years. Along with auto insurance, they also specialize in home, life, motorcycle, and boat insurance. Visit their website to message them online or call (806) 385-3426 to request a quote.