When your teenager starts driving, auto insurance will protect them as they drive to school, work, and extracurricular activities. However, since teens are often higher-risk drivers, insurance rates increase accordingly. Fortunately, with the tips below, you can keep their car insurance rates low. 

4 Ways to Minimize Auto Insurance Rates for Teen Drivers

1. Get Good Grades

Auto insurance companies view students who maintain a positive school record as more likely to be responsible behind the wheel. Your teen may qualify for discounts if they have a B average in school. They may also be eligible if they score in the upper 20th percentile on standardized tests or make the dean’s list at their school.

2. Take Safety Classes

Insurance agents offer discounts on policies when teenagers take defensive driving and safety courses. These classes teach them how to react to aggressive drivers, road hazards, and inclement weather conditions. When young drivers are less likely to get into wrecks, insurance companies view them as lower risk.

3. Use Monitoring Apps

Many auto insurance providers have apps that monitor driving habits, and reduce premiums when they receive evidence of safe driving. The apps use smartphone-based tracking that communicates with the car’s computer and sends reports to the insurance company. If your teen uses one, they’ll get feedback on their average speed, braking, turning, and mileage. This helps them to become better drivers and makes less likely to get into accidents.

4. Buy a Safe Car

Vehicles that have high-tech safety features tend to reduce insurance rates. As you browse for a car or truck for your teen, look for models that have blind spot detection, rear-view cameras, lane change warnings, and electronic stability control. These components will warn your teen about objects they may not immediately see, allowing them to stay safe during their commute.

When your teen starts driving and you want to keep auto insurance rates low, contact Cundiff & Company Insurance. They provide excellent rates on homeowners, business, truck, and motorcycle insurance to clients throughout Somerset, KY. Call (606) 679-8379 to request an insurance quote and ask about bundling policies. Visit the website to learn more about their affordable options for comprehensive coverage.