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6 Tips on Getting Cheap Insurance for Teens

There are several ways you can get more affordable car insurance as a teen, such as:

1 – Choosing a safe vehicle. Car insurance companies are more likely to offer lower rates for modest, safe vehicles than their flashier counterparts.
2 – Getting on your parents’ insurance policy. Technically, you don’t need your own car insurance policy as a teen. You can get on your parents’ policy. Even though that will increase their rates a bit, it will probably be cheaper than paying for two policies. However, it’s good to compare prices for both. Keeping your driving record clean. Clean driving records play a huge role in determining car insurance rates—for teens and adults alike. Drive safely and keep your record clean and you’re more likely to keep your rates low.
3 – Opting for higher deductibles. Ultimately, this is your parents’ decision (if you’re on their policy), but paying higher deductibles often lowers monthly premiums. Just be sure to choose deductibles you can afford because, unfortunately, sometimes accidents happen.
Completing driver’s education. Auto insurance providers love seeing driver education completion certificates.
4 – Getting on your parents’ insurance policy. Technically, you don’t need your own car insurance policy as a teen. You can get on your parents’ policy. Even though that will increase their rates a bit, it will probably be cheaper than paying for two policies. However, it’s good to compare prices for both.
5 – Keeping your driving record clean. Clean driving records play a huge role in determining car insurance rates—for teens and adults alike. Drive safely and keep your record clean and you’re more likely to keep your rates low.
6 – Leaving your car behind when you go to college. Some insurance providers offer discounts if you leave your car behind when you head off to college. You might be marked as a “sometimes driver” or get a “resident student” discount. Your your parents might even take you off their policy altogether (until you start driving again).

Always talk to your car insurance agent about additional ways to save money on coverage.

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Peter Wilson

Owner / Agent

Barbra Gouaille

Owner / Agent

  • 702-867-0049
  • 702-660-9067
  • bgouaille@thewilsongrp.net
  • pwilson@thewilsongrp.net

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