Teen Auto Insurance
Adding your teenager to your auto insurance policy can be costly. But teen auto insurance is essential to protect your teen—and your car—in case of an accident.
At InsureMe, we're all about family. In fact, since 1993 we've been providing families just like yours competing teen auto insurance quotes from local providers. And we'd like to help you find affordable teen coverage, too. Just fill out our quote box at the top of this page, and we'll get you up to five quotes right away.
Don't take any chances…your children are priceless! Contact InsureMe today for your family's peace of mind tomorrow.
Saving Money on Teen Auto Insurance
Many car insurance companies consider drivers under the age of 25 a higher-than-average risk for vehicle-related accidents. This high risk of teen accident and death can skyrocket your insurance rates 50 to 100 percent, says Jeanne Salvatore of the Insurance Information Institute (III), and often translates into high teen auto insurance premiums.
But wait—don't take away your teenager's car keys just yet. You can save money and afford that teen auto insurance you need…if your teen expends some effort and follows these guidelines:
- Keep a Clean Driving Record — Just one DWI conviction can raise teen auto insurance premiums from a base premium of a few hundred dollars to thousands of dollars annually for at least three years.
- Earn "Brownie Points" — Many companies offer teen auto insurance discounts to teens that attend high school or college full-time and maintain at least a 3.0 grade point average. Insurers also offer discounts to those taking a locally accredited driver safety course or other state-certified programs. (Ask your insurer about these discounts, or get online information from the National Safety Council.)
- Involve Yourself in Your Community — Young people who join certain civic or community organizations such as Eagle Scouts or Girl Scouts may receive discounts from their teen car insurance providers, says David Champion of Consumer Reports. These companies are trying to find the least risky teens, so they often reward time spent bettering your community with discounts, Champion adds.
- Choose a Safer Car — Teen auto insurance may cost up to 50 percent less if your teen drives a safer car such as a Honda Civic or a Volvo, according to Champion. Newer model cars with airbags are the least expensive to insure—and the safest for your teen to drive. Sports cars, expensive cars, high-performance cars and SUVs carry higher risk and higher teen auto insurance premiums.
- Add Safety Features — Safety features such as anti-lock brakes, traction control, automatic seat belts and side-impact air bags can reduce teen auto insurance rates considerably.
Driving is a privilege your teenager should respect, so lay down some ground rules before he or she gets ever gets into the driver's seat!
More than 5,000 teens ages 16 to 20 die annually in car accidents, according to the American Academy of Pediatrics. A greater claims risk and higher likelihood of death mean higher teen auto insurance prices.
So keep your teen safe, set your expectations high—and enjoy teen car insurance savings!
Coverage You Can Afford
Your family deserves the best—and that includes teen auto insurance. Don't pay exorbitant prices for the coverage your teenager needs. Let InsureMe help you find a policy at a price you can afford!