Low Cost Teen Car Insurance

• Quote, Compare & Save BIG on Teen Car Insurance

  Anybody with kids will tell you: they’re expensive! Clothes, braces, school, toys, books, the list goes on and on. When they get to be teenagers, the list gets even longer. Most teens want to drive, and most parents find it useful to have another person around who can run to the store or take younger brothers or sisters to school or events. Well before that magical sixteenth birthday, though, smart parents compare auto insurance quotes.

• Insurance companies don’t just make up their rates. They compile statistics from past accidents including the driver’s age, sex and many other factors. Then they calculate their risk. If they find it’s more likely your teen will have an accident than, say, your neighbor, they will charge more for the teen driver. You’ll see this when you look at car insurance quotes.

• Some states restrict teen drivers to daylight hours only or other restrictions proven to reduce accidents; look up these rules and consider implementing them as a family, even if your state law doesn’t require it. Low cost teen car insurance is important, but it’s more important to keep your teen safe behind the wheel.

• Despite the fact that teen drivers are statistically more likely to have a wreck, you can find ways to keep insurance costs manageable. First, be sure to shop around for car insurance quotes. There are real price differences, and just a few minutes comparing prices and policies can literally save you hundreds. Comparing a number of different insurance companies is easiest when you find a website set up to compare policies, so you’ll be comparing apples to apples, so to speak.

• Although it is an American rite of passage to get a car at the age of sixteen, you can save a great deal of money by sharing a car with your teen for a couple of years. There are a number of advantages to this: if your teen is not listed as the primary driver, the car insurance quote will be noticeably lower. Second, when you share a car with your teen, it’s easier to keep track of where they’re going and quite reasonable to ask them for a firm commitment about when they’ll have the car back to you.

• Some parents also wisely insist their teens pay all or part of their own car insurance. Everybody performs better when they have some skin in the game, as they say. If you and your teen agree that a car of their own is absolutely necessary, choose the car carefully. A used car with a few dents already will be less expensive to insure, and if there are small mishaps (practically unavoidable with new drivers) they seem much less problematic if the car is not new. You’ll see lower auto insurance quotes for an older car.

• A teen with a new car can be exciting, scary, helpful, or all three. One thing is for certain: a little research and common sense makes low cost teen car insurance easier to find.