I have a teen daughter who will be under my auto insurance soon. I know that adding teen driver will surely increase my car insurance rate. So, I really need tips on how to get cheap teen auto insurance for my daughter. We live in Texas if that would help you. Thanks in advance!
Lean
Dallas, TX
Yes you are correct Lean. Normally, adding teen driver under your car insurance policy entails higher car insurance premium because teens are riskier to be insured. As proven by studies, teens are likely to be involved in vehicular accidents as compared to adult drivers. That’s why car insurance companies tend to give higher car insurance premium to those who have teens under their car insurance policies.
Now, let me just give you some tips on how to get cheap teen auto insurance:
First, increase your deductibles. If your current deductible is $100, increasing it to $500 will save you around 10-20% on your premium;
Second, enroll her in a driving class. This will insure getting as much as 15% discount off your car insurance premium;
Third, demand for good grades. If your daughter gets good grades, this could mean getting as much as 10% discount;
Fourth, add her under your policy and do not buy a separate policy. By doing this you’ll get as much as 15% discount;
Fifth, shop online. Compare quotes by shopping online. You’ll surely save a lot of money by doing this
If you have those, make sure to inform you car insurance agent to be able to qualify for those discounts. Don’t forget to ask your car insurance agent on how to get cheap teen auto insurance for your daughter. Good luck and I do hope you get cheap teen auto insurance.