How to Make Your Teen’s First Car Insurance Affordable

Is it possible to make your son’s or daughter’s first car insurance affordable? This is a huge step as they start their career behind the wheel. They simply can’t drive without auto coverage. Here are some tips to find affordable coverage for young drivers:
1. Compare prices online. Don’t waste time using the phone to get quotes on policies. Simply turn on your computer and modem, and then start comparing quotes from different insurers. This can save you a ton of time, effort, and most importantly-money! Make sure that you’re comparing apples with apples: quotes that all apply to beginner drivers.
2. Look for introductory discounts. Auto coverage is automatically more expensive if your child is less than 25 years old. But some companies offer discounts if you’re getting your teen’s first car insurance. So keep an eye out for insurers that can give your child a lower quote for his or her initial policy.
3. Ensure that your child maintains a B grade-point-average. Yes, teens should be doing this anyway. But lower auto coverage can be an excellent motivator for your child to put in some extra hours studying. Remember to always be honest about your teen’s grades. First, it’s the right thing to do. Second, companies will likely ask for you to fax an official school transcript, for verification.
4. Have your teen take a driver’s education course. While sometimes this is required anyway, auto insurers often give discounts for new drivers that have taken such classes. Teens can take these classes at their own school, or at a special driving school. Studies have shown that taking such classes can decrease a young driver’s likelihood of getting into accidents. Those dramatic anti-drunk driving films seem to be effective!
To make your teen’s first car insurance affordable, follow these basic tips. They’ll soon be behind the wheel–without putting you behind the eight ball!

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