Affordable Car Insurance for Teen Drivers

ByTom Ando

Car insurance can be very expensive especially when adding a teen driver to your policy. While car insurance rates may sky rocket if a teen is added, there are discounts that can help keep teen insurance policy rates down.

Occasional Teen Driver

Sharing your car with your teen is a great way to start saving money on car insurance. Most insurance companies will be able to add teen drivers as occasional or secondary drivers. While adding a teen to an insurance policy as a secondary driver will increase the policy premiums, it will still cost much less money than a separate policy.

Resident Student Discount

If you have a teen that is away at school but still needs to use the car when at home, you may be able to qualify for additional discounts on your insurance premium. Make sure you notify your insurance company if your teen is away at school to take advantage of this discount.

Good Student Discounts

This discount was specifically created with teen drivers in mind. Through various testing, insurance providers have determined that more responsible teenagers with higher grades also tend to be better drivers. Insurance companies tend to offer exceptional good student discounts that can really help with saving money on car insurance. By encouraging your teen to have good grades with an average above 3.0, you will be able to take advantage of this discount. Even if 3.0 GPA is not possible at the time of shopping for insurance, the discount can still be added during a later time when the grade point average improves.

Choose the Right Vehicle Model

In order to save money on your teen's car insurance it is imperative to choose the vehicle. Try to choose a model that has proven reliability but one that is also affordable. If you can afford it, do not take out a loan on the vehicle and try to find something in the 5 to 10 year old range. Make sure that your teen's new vehicle has air bags, anti-lock brakes and other safety features. These features will save more money if you decide to purchase a liability insurance policy.

Personal Liability and Property Damage (PLPD) Coverage

In order to save money on your teen's car insurance it is important to select the right type of coverage. If you purchased a vehicle that is an older model but still has good safety features you may be able to qualify to insure the vehicle with personal liability and property damage only. To get PLPD, there cannot be an outstanding loan on the vehicle and you will have to be in a position where you can replace the car in case of an accident. PLPD insurance is the cheapest option that may be available with most insurance carriers.

There are many useful tips and advice on car insurance online, so make sure to do your research before making a purchase.

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Insurance: Car-Auto
Tom Ando

Email Address:SubscribeCar Auto Article FeedFind More ArticlesSearchRecent ArticlesAuto Insurance - Describing Insurance BenefitsGirly Men Save On Car InsuranceGap Insurance - To Defer or Not to Defer, That Is the QuestionBenefits of Short Term Car InsuranceSaving Money on Car Insurance TipsCar Insurance - What You Need to Know About ItMerits Of Car InsuranceCar Insurance Advice That Is Proven BeneficialThe Hidden Costs of Car InsuranceImportant Things to Know About Getting Alabama Auto InsuranceSubmitted On February 28, 2012. Viewed 0 times. Word count: 488.

MLA Style Citation:
Ando, Tom".".28 Feb. 2012EzineArticles.com.2 Mar. 2012 .APA Style Citation:
Ando, T. (2012, February 28). . Retrieved March 2, 2012, from http://ezinearticles.com/?Affordable-­Car-­Insurance-­for-­Teen-­Drivers&id=6909730Chicago Style Citation:
Ando, Tom "." EzineArticles.com. http://ezinearticles.com/?Affordable-­Car-­Insurance-­for-­Teen-­Drivers&id=6909730EzineArticles.com© 2012 EzineArticles.com
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