Cheap Auto Insurance For Teenagers

Are you looking for cheap auto insurance for teenagers because your son or daughter is almost old enough to have a driver's license

? It not always an easy task, but you can find reasonably priced insurance for the new drivers in your household. The hard reality is that insurers classify teenagers as high risk drivers.

But this does not mean that you have to take out a second mortgage to find the right policy. One way to get a lower price is to add you son or daughter to your family policy. Most insurance companies have multiple policy discounts.

If you insure your home and your automobiles with two different companies, you can insure with one company and usually get a discount. Call your home insurance company and find out how much they would charge to insure your automobile. Then call the insurance company that insures your car and ask how much they would charge to also insure your home. You will then be able to choose the lower of the two quotes.

When an insurer has the chance to increase their business, they might be willing to give you a good deal on your auto insurance even if your son or daughter is a high risk driver. The teenager in your household can get a better insurance deal if he or she completes a driver's safety class.

The class should have a session on alcohol and drug use and how these substances impair driving ability. You can call your insurance company and ask if they recommend certain programs. If your teenager completes the course your insurance company recommends, then you should be able to get a discount. Not only will you save money on your insurance, but you will be able to sleep better at night knowing that your child is more aware of the importance of driving safety.

Teenagers with good high school grade point averages receive better rates. Parents can encourage their kids to do well in school not only so that they will be able to get into college but so that they will save the household money on auto insurance.

The type of car the teen drives also makes a difference as far as the cost of the premium. A sports car will cost more to insure compared to a four door sedan. A teen with a sports car, in the view of the insurance company, will more likely drive recklessly, than a teen in a four door sedan.

by: Lance Thorington

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