Getting Teen Auto Insurance Coverage Without Breaking The Bank

Posted on: 15 September 2022

Your teen is just about to gain a new level of independence — a driver's license. This can be an exciting, terrifying, and expensive experience for the entire family. Here, you'll find a few tips to help you get your teen driver's auto insurance coverage as affordably as possible without sacrificing protection.

Driver's Education and Behind-the-Wheel Training

One of the best ways to ensure that your teen is prepared for the responsibilities that come with driving solo is to complete both driver's education and behind-the-wheel training.

Driver's education is typically a classroom-based course that teaches your teen:

  • Everything about the laws of the road
  • What to do in the event of a roadside emergency or accident
  • What the different road signs and road markings mean
  • How to handle aggressive drivers
  • What to do in the event that a police officer pulls them over
  • The basics of how things work inside the car

Behind-the-wheel training is just that — actual driving lessons behind the wheel that teaches your teen:

  • Managing knobs, switches, and signals inside the car
  • Applying appropriate pressure on both gas and brake pedal
  • If the vehicle is a standard shift, how to shift smoothly and when to shift
  • Parking — both in a lot and parallel parking
  • Use of mirrors
  • Merging onto highways
  • Driving defensively
  • Handling aggressive drivers

Seasonal behind-the-wheel training courses cover things like driving in the rain, snow, and ice. Learning maneuvering and counter-steering techniques are crucial to staying safe no matter what Mother Nature throws at them.

Good Student Discount

Did you know that many auto insurance companies offer discounts to students with good grades? Encourage your teen to work hard in school, not just for a better future, but to reduce the cost they'll pay for their car insurance when the time comes.

Other Discounts

Talk with your auto insurance provider to learn about other discounts that could make insuring a teen driver more affordable:

  • The type of vehicle being driven
  • The number of miles and when the teen will be driving
  • Maintaining your teen on your personal insurance policy rather than taking out his own until he reaches the age of 25. (Keep in mind, if your teen does have to file a collision claim while on your policy, your premiums could increase)

Start with a conversation with your teen about what will be expected, and then, talk with an auto insurance agent to learn what will fit your family's needs and budget best.