How Much Will Auto Insurance Increase With Teen Driver Added
Reader’s Question:
I know I should call my Insurance Company about this but will my car insurance premium go higher If I allow my teenage daughter to drive the car?
Jonas
Inglewood, CA
Yes, do expect your car insurance premiums to go higher for having a teenage driver using the family car. You may be tempted to get car insurance for your daughter on her own but this will actually amount to higher costs on car insurance coverage for your family. The reason for this is that teenagers are considered by most car insurance policies as generally high-risk or liability drivers due to lack of experience, being more temperamental or reckless and not having the same level of judgment as an adult, hence, having a bigger potential to costs more to cover for your car insurance company there in Inglewood, California.
Don’t despair though as there are a number of ways, as listed below, where you can save or control how much you pay for car insurance coverage.
Good Student Car Insurance Discounts
Most car insurance providers in most states do have provisions or incentives for driving students with good academic performance. Your teenager will need at least an average of B to qualify for a good student discount but this helps in maintaining the cost of protection for your loved ones on the road.
Increase your deductibles
This is another way of lowering down the monthly costs of maintaining sufficient car insurance for your family. Deductibles by the way are the costs taken away from the whole coverage amount once you file a claim with your insurance company. The higher the deductible you agree on, the lower you have to pay for monthly premiums.
Learn how to drive defensively
If you have taken defensive driving lessons then you can present this to your insurance provider as this shows you have more skills and knowledge to avoid car accidents therefore qualifying you for a lower insurance premium. IT is advisable for everyone in your family who will be driving the insured vehicle to take this lessons as well.