Auto Insurance And Teenage Drivers - Five Things To Consider

Car insurance for teenagers is high because statistically they are a greater risk for auto insurance companies. According to the Insurance Information Institute, your insurance can go up anywhere from 50 to 100 percent. Here are five things to consider when getting car insurance for your teen driver.

1. Plan ahead before your teen starts driving so you know the right coverages and vehicle for your child. Shop around to get comparison quotes. Rates for young drivers can vary quite a bit from one car insurance company to the next and shopping around could save you money. You should get at least three comparison quotes, including one from your current insurance company.

2. Impress upon your teenager the importance of good grades as they relate to car insurance. Most companies will give a "Good Student" discount. Also, they may be able to get a discount for taking driver training courses.

3. Pick a safe vehicle for them to drive. SUVs and tiny sports cars are not for teen drivers because they can encourage unsafe driving or may be harder to control. A newer, mid-size car with good crash protection ratings is a better choice. The type of vehicle can affect the rate you pay as well.

4. Think about increasing the limits of liability on your policy. This may increase your premium, but will give you better protection against the increased liability of an inexperienced driver. You can also look at getting an Umbrella policy, which provides additional liability protection.

5. Take an active role in helping your teen learn to drive. Be a good role model, and talk about the dangers of alcohol and distractions in driving.

The bottom line is that you want your teen driver to safely enjoy this new experience in freedom, and protect them and your pocketbook in the process.

Get free comparison teenager car insurance quotes, and more information about saving on car insurance at LowerYourInsurance.com The site includes a handy sheet you can use to help compare quotes. Justin Scott writes about insurance.