Teen drivers have notoriously high auto insurance rates because they pose a greater risk on the road. They have less driving experience, and carriers have to assume they’re more likely to get into accidents. They don’t have to have sky-high premiums, however. Below are a few tips teen drivers can use so they get the best, most affordable coverage when they hit the road.

How to Lower Teen Auto Insurance Rates

1. Buy a Safe Car

If you’re purchasing a car for your teen, opt for a vehicle with plenty of safety features. Sports cars are going to have significantly high rates. Instead, choose a vehicle with anti-lock brakes, airbags, daytime lights, and automatic seat belts. Insurance companies appreciate these features and may offer lower premiums.

2. Open a Multi-Policy Plan

Consider bundling your homeowners, health, and other insurance plans with your auto insurance. Providers may be willing to provide discounts on all of these plans if you move over to their service. It’s best to sit down with an insurance agent to go over options in person. You can explain your needs, goals, and then compare what they’re offering with other providers.

3. Achieve High Grades

Many insurance companies will provide discounted rates to teens that have higher grades, so encourage your child to hit the books. Anything over a B average is usually enough to get a discount, and you’ll also be helping your child work toward college admissions and a rewarding future.

4. Track Your Teen’s Driving

Car insurance providers are more likely to lower rates when they have evidence that a teen is a safe and reliable driver. Purchase a tracking device for their vehicle. These will log their average speed, mileage, acceleration, and driving times. After 30 to 90 days, share the results with your insurance provider to see what kind of discount you can get.

Whether you’re exploring auto insurance for your teen or other plans, contact the team at Goggans Insurance. This Scottsboro, AL, agency offers a number of plans to individuals and businesses. Visit them online to find car and motorcycle insurance, farm insurance, and home insurance plans. Call (256) 574-3440 for more information and connect on Facebook for news and updates.