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Since youth and inexperience increase the risk of auto accidents and traffic violations, auto insurance rates are always higher for teens than for adults. However, there are numerous ways to keep the costs reasonable. As your teen driver prepares for their license test, learn more about their insurance below.

How to Reduce Your Teen Driver’s Insurance Rate

1. Schedule a Driver Safety Course

See if your auto insurance carrier provides discounts to teen drivers who take safety courses. Many offer programs to promote safe driving habits that lower accident rates. Even if your carrier doesn't offer these courses, have your teen take one to reduce their risk of getting in an accident that'll cause their insurance rate to spike.

2. Encourage Good Study Habits

auto insuranceAuto insurance companies frequently offer discounts to teen drivers who maintain grade averages at a B level or higher if they're in high school or college full-time. Known as good student discounts, they're also available to students in home study programs.

3. Use a Vehicle With a High Safety Rating

Instead of getting your teen a new car, choose a used vehicle with a high safety rating and a low insurance rate. Research safety ratings online and add features that can help decrease premium costs, such as blind-spot monitors, airbags, and daytime running lights. Ask your auto insurance agent about features that provide the most discounts to maximize your efforts.

4. Install a Monitor Device in Their Car

An electronic monitoring device will record how fast your teen drives, how often and how hard they hit the brakes, and whether they drive beyond your designated borders. You can also install a camera system that lets you know when your teen texts while driving or engages in other unsafe behavior. Some insurance companies will offer discounts for these measures, but even if they don't, your teen will likely drive safer knowing they're being monitored.

 

To lower your teen driver auto insurance premiums, speak with the experts at America’s Favorite Insurance & Tax in San Antonio, TX. These knowledgeable professionals stay up-to-date with all the available discounts, so you can trust they’ll keep your rates as low as possible. Call (972) 662-8221 today to make an appointment, or visit the company online for more information about their insurance services. For additional insurance tips, connect with them on Facebook.

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