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Getting Auto Insurance for a New Teen Driver

Handing the keys to your teenager is already scary enough, but the added cost of  insuring your teen driver can be just as frightening if you don’t plan ahead or know what to expect. Here are a few things you should know when it comes to insuring your new driver. 

Starting Early

The best time to start the insurance process is even before your teen gets their learner’s permit. If you’re adding them to your policy, you should contact your insurance company this early to make sure your car insurance is updated to cover them. 

Adding Your Teen to Your Policy

New drivers have higher accident rates, often making them more expensive to insure, but adding a teen driver to your policy will likely be cheaper than getting them a policy of their own. Adding a teenage driver to your policy may increase your rates, but luckily there are ways to control how high those rates can climb. 

Choosing the Right Car

The type of car your teenager drives can also play a role in the cost of your insurance. The main things you’ll want to look at when deciding what car your teen will drive are safety features, size and reliability. 

Compact or midsize SUVs are a great option for teens as they are heavier and will likely sustain less damage in a crash. A midsize SUV is also typically easier to drive than larger vehicles and offer good visibility. 

Considering Possible Discounts

Defensive Driving Course: Most insurance companies will offer discounts to customers who complete a defensive driving course. Not only can it lower your premiums but will teach your teen good driving practices and skills to help avoid accidents. 

Student Discount: The most common student discount is a good student discount, which is when a full-time student keeps their grades above a certain threshold. 

Telematics: Usage-based insurance apps, like Nationwide Smartride and Progressive Snapshot, are becoming more popular across top insurance companies and can lend an additional opportunity to receive discounts. These apps are able to track driving behavior and often provide discounts for safe driving practices, further incentivizing good driving.

Bundling is another option to consider as you evaluate your insurance coverage needs. Also known as a multi-policy discount, bundling can often save you money by going through the same carrier for more than one type of insurance. 

Teenage drivers are notoriously expensive to insure, so it’s important to shop around as early as possible. Choosing the right car insurance can be a complex process, but at SelectQuote, we’ve made it easy. We can help you compare coverage and rates from some of the most trusted insurance companies in just minutes, finding the most affordable plan available to protect you and your teenage driver.

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