Having a newly licensed teenager in your household comes with many emotions. While it’s exciting to see them reach this milestone, your concern for their safety is likely to be high. Additionally, you may worry about how much your auto insurance premiums will increase after adding them to your policy. Fortunately, you can secure a better rate and make sure your teen has adequate protection. Below are a few tips for lowering coverage costs.

How to Get a Better Rate on Teen Auto Insurance

1. Take a Driver Education Course

Many auto insurance providers will offer a discount if you can prove your teen’s completion of a driver education course. These are advanced classes that go beyond what the state requires to get a driver’s license. They instruct participants on defensive driving techniques, so they’re better equipped to handle dangerous situations and stay safe on the road.

2. Get Excellent Grades

If your insurer reduces premiums for students who maintain a high GPA, you can use this as an incentive for your teen to do well in school. Encourage them to work hard and keep up with their studies by implementing a rule regarding their driving privileges. 

3. Drive a Safe Car 

The vehicle your teen drives will significantly impact their auto insurance costs. Typically, the safer a car is, the less it will be to insure. When deciding which vehicle they’ll use to get around, look for safety features like anti-lock brakes, adaptive cruise control, backup camera, blind-spot monitoring, and lane departure warning. These will help protect them as they navigate the roads and bring down your premiums.

4. Bundle Policies Together

Many insurance companies will give you a lower rate for purchasing multiple policies from them. You can do this by bundling various types of coverage your family may need, such as auto and motorcycle insurance, with the same provider. If you haven’t consolidated all your policies with one insurer, consider it to cut costs. 

If you need quality auto insurance for your teenager at a reasonable rate, turn to 1st Choice Insurance in Fairfield, OH. For more than 30 years, they have been offering reliable and affordable coverage solutions for high-risk drivers. They’ll assess your family’s specific circumstances, so they can customize a policy that fits your needs and budget. Call (513) 860-0666 to request a quote. Visit online for more information about their services.