Getting Auto Insurance for Your Teenager

Adding a teenager to your auto insurance policy in Dripping Springs, TX can cause auto insurance rates to rise, but you can control these increases with some tips. You have to insure your teen driver and you need to let your agent at Ty Lawrence Insurance Agency know when your teen gets his or her learner’s permit, but they typically aren’t added until they are licensed. The reasons why teens are so expensive to insure is they are typically the most dangerous drivers on the road.

Have Your Teen Drive a Cheaper Car: If your household has multiple cars, then having your teen assigned to the cheapest to insure will help you save money. Vehicles with lower insurance losses will usually have lower insurance rates and provide more protection for your teen. You can use the IIHS website to determine the best cars for teen drivers.

Encourage Good Grades: Many insurance companies will offer good student discounts, so encourage your teen to have at least a B average if they want to be able to drive.

Look for Other Discounts: Other insurance companies will offer discounts if your teen will complete a driver’s education course and you may be able to save money by bundling other insurance policies, such as home and life insurance. You may also get a discount if you install a monitoring device in the car that can alert you if the teen is doing something they aren’t supposed to be doing, like speeding or not using their seat belt.

If your teenager is going to be heading off to college more than 100 miles from home and won’t have a car, you can get a break on insurance because he or she isn’t going to be regularly operating the car, but they are still able to drive when home on breaks.

Contact Ty Lawrence Insurance Agency, serving Dripping Springs, TX, to get a quote on auto insurance.