FLORIDA/TEXAS—When you are the parent or guardian of a licensed teen ager who is ready to take the road, you know how important it is to have good car insurance to protect them. One of the most reliable ways to keep insurance costs low is to avoid accidents, although inexperienced drivers oftentimes have difficulty identifying risks, and utilizing tips to prevent them.
Parents usually worry about the potential high cost of their teenager driver’s insurance coverage. Remember, the insurance standard equation: The higher the risk, the higher your premium may be. However, there are easy ways you can lower the cost of your insurance policy. For example:
- Good students are associated with good driving skills. They don’t have problem learning first and following rules and instructions, in this case safety tips. Some insurance companies offer a discount for students who maintain a minimum B average. Other conditions as age between 16-24 and full time schedules may also be required.
- Defensive drivers who are certified with a course by the state’s Department of Public Safety or Motor Vehicles also earn a discount. These courses usually include:
- Traffic laws
- Environmental hazards
- Defensive driving techniques
- Basic car maintenance
- Drug and alcohol education
3. Taking a few steps to protect your car from theft, by installing an anti-theft device to the vehicle may help you save on your insurance cost.
4. Accident forgiveness must be added to your teen car insurance package, when available, so your rates don’t increase after the first at-fault automobile accident.
5. Add your teenager to your household car insurance package. It will increase your insurance rates, your policy’s coverage and deductibles, but your teen will also have the same coverage. Note: if either parent has any DUIs or multiple moving violations, adding a teen driver can make the current policy cost even more.
6. Share a car instead of adding another one to the policy, and make your teen the secondary driver. It may cost less than if the teen were the primary driver on a car.
7. Choose the right type of car for your teen. Know that insurance for luxury cars will be more expensive. For inexperienced drivers a first car that is safe and reliable but also less expensive will be considered by most insurance companies as less risk. And remember, less risk equals lower insurance cost. Note: if your teen does have a luxury vehicle, it may be cheaper for them to be on their own car insurance policy, since chances are the insurance premiums will be significantly higher than other cars within your policy.
It takes time for teens to learn how to drive safely. The best time to contact your agent about car insurance for your teen is before your new driver gets his or her license. Take that opportunity to find out what it will cost to add a teen to your policy and what other options you have to save.
To protect your family, your vehicles, and your future, talk to our local, bilingual experienced agents from Buscando Seguro and let them know what your needs and priorities are. Give us a call today at (877) 427-9671— for an initial consultation and quotes from a myriad of insurance carriers who support us in Florida, Texas, and many other states!
Iraida Pedroza, CSR
Supervisor de Atención al Cliente