Itís the age that most parents look forward to and dread at the same time. Your
child is nearing the age where they can learn to drive. Youíre looking forward
to it because that means thereís another driver in the house, but youíre
dreading it because you know your auto insurance is going to jump. Did you know
having your child take driverís ed will help save you money?
If youíve already started to look at insurance for when your teenager learns to
drive, you may have noticed that your premiums will rise dramatically when you
add a teenage driver to the policy. Hereís how you can combat those rising costs
and how driverís ed classes can make a difference.
In most states, any teenage student who takes driverís ed classes can
expect to earn their parents a 5% to 15% discount. Obviously, taking driverís ed
while in high school doesnít guarantee your teen will remain accident free. You
can hope this is the case, however.
Teenage students who have taken driverís ed and keep their grade point average
high may also earn another discount. In fact, some car insurance companies will
give a 10% to 25% discount for maintaining a straight-A.
Another way to earn possible reductions in your car insurance is to restrict how
often your teenager is allowed to drive without your or another adult present.
You may have heard this called a ďgraduating license requirements.Ē This would
require an adult to drive with the teenager for several months or at least 50
hours of adult supervision while the teen driver completes up to 50 hours of
You may be able to save even more money if you compare several insurance
companies and choose the company that provides the best price. You may find that
remaining loyal to the same insurance company isnít the best decision once you
add a teenager to the policy.
If you buy an additional car for your teen to drive, donít buy a sports car.
This will make your insurance rates increase. Instead of the sporty car that
your teen might prefer, get them a sedan that insurance companies deem to be a
Encourage your teen to leave the cell phone off while driving so they wonít be
tempted to talk and drive at the same time. This has been proven to be a
dangerous combination. You may also limit the number of friends they can
transport at one time. Both of these are considered to be risky activities.
Driverís ed will help you save money when your teenager receives their
license and starts driving. There are other ways, as indicated above, that will
also help lower your insurance rates. Use whichever tips will be most beneficial
for your family and then ask your insurance agent if there are other factors
that may help.
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