Insurance for teenagers can be quite expensive because teenagers are considered a large insurance risk.
This is mainly because teenagers do not have the experience and do not know how to react in the many different driving circumstances they may come across.
You can save money on insurance for teenagers though it is important to stress the importance of keeping a clean driving record.
No matter your age having a clean driving record always equates to lower insurance rates.
Because teenagers have high rates in the first place, the minute they are in an accident or get a speeding ticket the insurance rates go sky high and stay that way for a long time.
The longer you have a driving record with no points on the it, the lower your insurance rates will be.
The first step to this is teaching safe driving and this not only includes teaching safe driving but leading by example and being a safe driver yourself.
Additionally if you promote responsible behavior both in and out of the car then you can get additional discounts.
Those teenagers that have a GPA of 3.
0 or higher automatically qualify for a goof grade discount.
Being associated with specific community organization such as the eagle scouts and Girl and Boy Scouts demonstrate maturity and responsibility.
These individuals are thought to be more responsible and you should mention this when getting insurance for your teenagers.
You also want to determine how your insurance company assigns drivers to your different cars.
One example of this is that many companies will assign the person with the highest rates, the teenager, to the more expensive car.
If this is the case with your insurance then it would be more affordable to get your teenager an old, beat up car and get their own policy.
You also have the option of changing your insurer.
Most insurance companies also will offer teenage insurance discounts if they take and pass an accredited driver's education course.
This can decrease the insurance rates by as much as 15%.
Basically the longer the teaching process the lower the chance of an accident occurring.
You also have the option of increasing your deductible or the amount you will have to pay from your own pocket before the insurance companies will pay.
If you do the math you will find that this can reduce your payments by 35% and consider just using your insurance specifically or those big car issues.