Cheap Car Insurance For a Typical Teenager

All parents wish that they could explain to the insurance company that their children is extremely well behaved, responsible, well mannered, and so on. In return, they would hope that the insurance company will lower their rate, which we all know, is very expensive for young drivers. Sadly, there is no company that offers cheap insurance for teens, but they do have a reason. Needless to say, the majority of teenagers are much higher risk drivers than their elders. This is the main reason that the insurance costs are so high for teenagers. Nonetheless, there are ways parents (or the policyholder) can lower their teenagers premium.

The discounts given are generally based on the young drivers outside life, and the actions they take, or have taken. If the teenager appears to be quite responsible, the insurers will assume they will be equally responsible on the road. Now, obviously, there are more specific factors that the company will use to determine the level of responsibility of the teen. These factors vary from company to company, thus it is important to ask the insurance company what discounts are available.

The most common discount is the discount for obtaining good grades. If your teenager has good grades, the auto insurance company rewards them by lower their insurance rate. If the student has a B or above (in most places), they will receive the good grades discount, because it makes them appear more responsible. On the other hand, someone with a C or D average is not going to receive a discount on their auto insurance. The reason they do this is quite simple; those who earn good grades tend to know what to do under pressure. Similarly, they will know how to react better when under situation on the road, mainly to avoid accidents.

Secondly, there is a discount offered by most auto insurance companies for teens that take and successfully complete a defensive driving class. This source focuses on teaching drivers on how to drive carefully and avoiding accidents. Driver's education does cover what is required for most drivers to know, but defensive driving courses take things a few steps further.

Another way of lower the insurance cost for you teenager is through choosing the right car. As flashy as a new car may seem for your teenager, it will greatly increase your insurance rates. Newer cars are more expensive, and in return will cost insurers more to repair or replace, in the case of your teenager being in the accident. For this reason, auto insurance companies will give much cheaper rates to teenagers driving older cars. On the other hand, this does not mean that you should go out and buy your teen the "crappiest" car available. Doing so will put your teen's life at risk, and is not worth it to save some money. You need to balance between the two.

On top of the year of the car, is the make and model, both of which play a big role in determining the insurance rate for your teen. Sports cars are seen as cars that will be driven very fast and erratically, thus they are given higher rates. If you are not sure which car will allow for your teen to have a low insurance cost, you can always call the insurance company and make an inquiry. They are usually more than glad to help.

Needless to say, there are quite a few approaches one can take in order to lower their teens insurance cost. It is important to take these ideas and put them into effect, otherwise you will have a very high rate for your teenager driver.

Feel free to visit Auto Insure USA to find local auto insurance companies and compare.