Teen Auto Insurance

It may be hard to believe that your child is now old enough to drive, but now you have to start saving for what can be the cost of teen auto insurance. It is true that teenagers have a higher risk of accidents, mostly due to inexperience and high-risk behavior, but there are some things you can do to help save some money on teen auto insurance.
The first thing you can do to save money on teen auto insurance is to make sure that you set specific guidelines with your child. Things like setting driving times and curfews along with limiting the number of passengers in the car can help keep your child safer while saving you money on teen auto insurance. Most accidents happen on Friday and Saturday nights and early on Friday and Saturday mornings. By limiting driving during those times, you can make your child safer and save money on your teen auto insurance.
Also, setting limits on the driving area and requiring that passengers wear safety belts is another way to maintain safety and save money on your teen auto insurance. Teens are often lax in wearing safety belts, putting them at greater risk of injury and higher teen auto insurance rates. Also, making sure they stay in a specific driving area means that they are safer by being in familiar territory, which keeps your teen auto insurance rates lower.
One big issue that raises the rates of teen auto insurance is the use of drugs and alcohol. In order to save money on teen auto insurance you need to discuss the use of drugs and alcohol with your child and how it can seriously hinder his or her ability to drive. Driving under the influence not only results in increases in teen auto insurance rates, but also criminal charges or death.
Besides safety issues, there are also a number of discounts available through your teen auto insurance provider. If your child gets good grades, most companies offer a good student discount on teen auto insurance. Depending on what type of car your child drives, you may be eligible for economy car, truck, or new car discounts on your teen auto insurance. Some companies even offer discounts on teen auto insurance if your child is away at school. Plus, if you insure more than one car, your house, boat, or have any other policy with the company, many insurance providers will give you a multiple policy discount on your teen auto insurance.
Wanting to keep your child safe on the road is ultimately about more than saving money on your teen auto insurance, however it can be a nice bonus in the end. Begin with safety first, educating your teen on how to be safe on the road, setting limits, and understanding the importance of good driving habits, and the savings on teen auto insurance will follow. Also, talk with your broker or agent to discuss the various teen auto insurance discounts that are available to you to get even greater savings. Be safe. Be smart. Then enjoy the savings on teen auto insurance.