Adding your teen driver can be expensive. How much? That depends on you and your teen.
Tips for insuring teen drivers:
- Consider driving an older model vehicle with high safety ratings. If you insure a vehicle that doesn’t cost much (doesn’t require collision coverage) you will save a bunch of money. The Insurance Institute for Highway Safety (IIHS) offers their top choices here: IIHS Top Safety Picks.
- Get good grades. Auto insurers offer large good student discount for B or better averages. In order to qualify for the good student discount most companies require the student also has a perfect driving record.
- Drive Safe. Accidents and violations for a new driver can turn expensive rates into absurd rates. Practice safe driving.
- Complete a Certified Driver’s Education Program. All drivers under the age of 18 are required to complete a licensed, Professional Driver’s Education program. Driver’s ed will save you 10% (parts 1,2, 4, 5 & 7) on insurance costs.
- Consider registering and insuring the vehicle in your child’s name. In Massachusetts parents are provided 100% insulation from lawsuits arising from bodily injury or property damage claims.
- Take In Control’s Crash Prevention Course. In addition to discounts, Crash Prevention Training has reduced accidents involving new drivers by up to 70%. Some companies will even pay some of the course’s cost. Call us for more information.
- Take advantage of discount programs. Standard discounts programs still apply such as: anti-theft, low-mileage, and multi-car discounts however some companies offer an “away from school” discount which, if your young driver goes to school 100 + miles from home without the vehicle, a significant credit will apply.
- Shop around. Different companies have different rating criteria. Rates can vary wildly from company to company. Have us shop around for your teen driver.
Give us a call, click or visit. We’ll find you the best rates and coverage available.
Thank you for insuring with Johnson & Rohan Insurance.