So your teen is now old enough to drive? This should have been a clearly joyous moment but for some reasons, it’s filled with mixed feelings. Mixed feelings because the family budget is about to spiral up. Add gas costs! As if that wasn’t tough enough, this teen driver could drive up your rate by as much as 200%. Are there tips that can help you pay a lot less. Good a thing, there are several. Here are those steps…
I’ll just reel out a good number of tips before dwelling on just one…
1. It would help if you made it a family policy that your teen pays part or all of his/her premium. Teens you pay their own bills tend to be more responsible behind wheels. They are also more open to any ideas that will help them cut down costs.
2. Make him/her a secondary driver on your oldest car (Such a car should be ok without comprehensive and collision coverage).
3. As much as possible, ensure your teen does NOT learn to drive from other kids. If they did learn on their own, let them take a course in defensive driving. Apart from the fact that this will save you on premium, it will help keep your teen and our roads safer.
4. Encourage your teen to maintain straight A’s or a minimum of B’s. Insurance companies have the belief that kids who maintain good grades are far less prone to recklessness behind wheels.
5. Let your teen use a car that has a high safety rating.
6. Whenever they can, let your teen use the public transport system. It will cut down mileage and reduce your rates. And did I point out that you’ll save on gas too?
7. Teens are very comfortable with the internet (We all know how hard it is to get them off those computers). Therefore, put them to good use…
Your teen will definitely do a more extensive comparison shopping online than you’ll do. They have more time on their hands and are definitely more comfortable with the internet.
Let them know that you’re looking for the best rate that also gives you the right protection. They’d have to get and compare quotes from five or more quotes sites (Could be a pain for you to do but quite easy for the average teen).
Let them shortlist the most affordable quotes. You can easily check this list to ensure you have the best in price and value. This simple action will save you several hundreds in premium dollars.
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