Getting cheap car insurance for teens can be a tedious thing to do if you don’t know how to properly search for the right ones. Auto insurance companies view teens as a liability and often charge them more for insurance because of this. Individuals between the age of 18 and 24 are more likely to get into an accident than those older than them, so companies try to account for that. However, there are ways to get lower car insurance rates if you choose the right insurance provider. Here are the steps you should take to get affordable insurance rate for teens.
Defensive Driving Course
Taking a defensive driving course can considerably lower a teen’s insurance rate. This course provides helpful information about what to do to avoid accidents, what to do in the case of an accident, and tips to help you drive safer. The course usually takes about five hours, depending on which state you live in. Some may be longer, some may be shorter. Make sure you choose an insurance company that provides a discount for defensive driving courses. Then, just provide the proper information to the company and you could receive 10% or more off of your insurance rate.
Car Year and Model
Educate yourself on what the car year and model means to insurance companies. If a teen has a brand new sports car, the insurance company is going charge an extremely high insurance rate, especially if the individual resides in a major city. However, if the teen has an older car, the insurance company will charge a much lower rate because the car is worth less overall. If you want cheap auto insurance for teens, starting out with an older car will help lower the insurance rate.
You should consider the features of the car itself. Having features such as anti-lock brakes and air bags will help lower the price of car insurance for teens. Other safety features that help avoid accidents and injuries may also be considered for discounts by the insurance company.
Good Grades in School
You can obtain even more affordable car insurance for teens if the teen keeps their GPA at a 3.0 or higher. The actual GPA requirement will vary by state and by each particular insurance company. Just make sure to choose a car insurance company that has the option of receiving a discount for good grades. It can be quite easy to get car insurance for teens at an affordable rate if you go through the proper steps. When searching for auto insurance, check for available discounts related to some or all of these things to help lower the insurance price. You should also check online auto insurance companies, as they often disregard the age of an individual when providing an insurance quote.
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