Auto insurance for teenagers is a very important consideration for parents.

1. What Teenagers Need to Know
About Auto Insurance
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2. What You Need To Know
Teenagers, young adults, and drivers under 25 years of age tend to
file more insurance claims than other groups of drivers segmented
by age. Unfortunately, this younger age group is seen as “high-risk”
to auto insurance agencies. Because this age group typically costs
more to cover, premiums for those in this group tend to be higher.
Although your insurance premiums may start out high, there are a
few things you ought to know about auto insurance if you are a teen
or young adult under 25 years old.

3. Auto Insurance Tips For Teens
The following four tips may help lower auto insurance costs for
teenagers and young adults under twenty five years of age.
1. Choose a Less Expensive Car
2. Choose a Safer Car
3. Take a Driving Course
4. Get Good Grades in School

4. 1. Choose a Less Expensive Car
The make, model, and relative cost of the car you drive can impact
the premium you pay for auto insurance. Lower, economy
level, cars tend to cost less to maintain than luxury or sporty
models. Their repairs also tend to be lower and thus, auto
insurance companies tend to offer a more reasonable rate for
insuring cars with more reasonable costs.
Saving money now by buying a vehicle your auto insurance
company offers a lower rate on can help you save even more
money through the decrease (from potentially higher insurance
premiums) over time.

5. 2. Choose a Safer Car
There are many agencies that rate different automobiles by safety
ranking and by anti-theft ranking. A car that rates highly for
safety and anti-theft will most likely also receive a lower
insurance premium.

6. 3. Take a Driving Course
Taking measures to find ways to decrease your chances of getting
into an accident can help decrease your auto insurance
premium. One of these ways is to take a defensive driving
course that is approved of by your auto insurance carrier.
Teenagers may take driver’s education (driver’s ed) in school,
but an official course through a local DMV may offer tailored
classes on safe-driving.

7. 4. Get Good Grades in School
Maintain good grades in school and you may see a benefit outside
the classroom and in your pocket. Many auto insurance
companies will consider lowering auto insurance premiums for
teenagers and young adults who are also students making
good grades. What constitutes “good” depends on the carrier.
The idea is that if you are responsible in school and are careful
enough to complete homework, attend class, and learn from
mistakes, that you will be a responsible driver.

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