Affordable Teen Car Insurance For Good Driver
Reader’s Question:
I’m confident that my teen daughter would be a good driver although she has just started driving on her own. Despite of that, I know that we’ll have a tough time getting cheap car insurance here in Florida for her. Before we buy her a new car, could you give me some advice that can help us find her affordable car insurance that has adequate coverage?
Bhea
Hialeah, FL
The first thing you can do to get affordable car insurance for your teen daughter is to emphasize to her how important for her to maintain a clean driving record. In time, she will be given more affordable car insurance premiums if she doesn’t have accidents, speeding tickets and traffic infractions. Also, you can opt to get higher deductible for her teen car insurance. If she has higher deductible, it means she will have lower premium for her car insurance in Florida.
Since you are buying her a new car, choose a car that has safety features installed in it and do not ever get her a sports car or any car that has higher rating because these types of car have higher car insurance premiums.
If you plan to add your daughter to your own car insurance policy, this may not be the best option to have affordable premiums for her. You can just get a separate car insurance policy for her from an insurance company that focuses in giving teen car insurance. This type of car insurance company lessens their risk for giving car insurance for teens by putting specific driving conditions. They may require your teen daughter to complete a defensive driving course, no driving at night time or several other limitations which let her to have affordable car insurance premiums.
Car Insurance For New Teen Driver – How Much Should I Pay?
Reader’s Question:
How much should I be expecting to pay if I add a new teenager driver on my car insurance policy?
Beth
Miami, FL
Since teenagers that are newly licensed have such high rates of accidents they cost more to insure than an experienced driver who is more prone to avoid an accident than cause it.
The costs of adding a new teenager driver will depend upon your current car insurance rates, your geographical location and your teen to name a few. For example, if you live in a congested area where your teen is more likely to be involved in an accident compared to a more rural or suburban area the rate to insure your teenager will likely be more.
As for the teenager themselves, insurance rates may vary due to if they have taken formal driving lessons or driver’s education and if you are able to get any type of discount for their grades. If you have a teen that maintains a higher GPA this may allow you to cut costs for car insurance.
Getting Auto Insurance Discounts For Teen and New Drivers
If you’re a teen and new driver, then you can’t simply take your car out on the road and guess how to drive. If you want to get good teen and new driver car insurance rates, and also drive safely and within the law, then you need to have a driver’s education program. Most schools offer one, and the schools in this video offer a different, more effective type of driver’s education–one designed by teens.
Most car insurance companies will apply a ten percent discount or more to your insurance if the teen takes a driver’s education program, even if it is taken outside of school.
There are several places on and off line where a teen and new driver can get their drivers education, and there are even games to help the teen learn the rules of the road better.
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