Getting your first driver’s license is an exciting rite of passage. However, you’ll see your auto insurance rates increase once your teen starts driving. Fortunately, the following practices can lower the payments. 

How to Pay Less for Teen Driver Auto Insurance

1. Take a Safe Driving Class

Although Connecticut requires teens to complete an approved driving course before they can acquire a driver’s license, some insurance companies offer discounts for additional training. Taking a safe driving course not only saves money, but improves driving skills and increases safety on the road. 

2. Choose a Car Wisely

Generally speaking, older cars are less expensive to insure than newer models. You may also be able to make adjustments. For example, you may be able to raise deductibles for comprehensive or collision coverage on an older car, or even drop them altogether if the car wouldn't be worth fixing after an accident.

Choosing a vehicle with safety features like anti-lock brakes, airbags, and anti-theft devices can also reduce your premiums. 

3. Set Clear Expectations

Although establishing rules for your teen driver won’t lower your premiums from the start, they can avoid increases brought on by traffic tickets and accidents. Remind your teen of state laws (Connecticut restricts the passengers allowed in the car for 16 and 17-year old drivers and has a strict curfew) and the consequences for breaking them.

Consider installing an electronic monitoring device in your teen’s vehicle that measures speed, braking, and distance so that you can discuss habits when necessary. Some companies also offer auto insurance discounts for using these devices. 

When there’s a new driver in the family, you need a broker who can find the best auto insurance coverage and rates. For 20 years, the residents of New London, CT, have relied on the team at Action Auto Insurance Agency for their car insurance needs. They provide a wide range of insurance policies from some of the most recognized carriers in the country and are committed to helping you find an affordable policy for your family. For more information on your options, visit their website. To make an appointment with a broker, call (860) 444-7224.