Reader’s Question:

I’m a parent of a teen driver and I know that car insurance quotes are astronomical for teen drivers. What can I do to get affordable teen car insurance quote?

Bethany

Aurora, IL

Hello Bethany!

I understand where you’re coming from since I am a mother of a teen driver too. The reason why car insurance companies charge higher car insurance rates for teens is because they believe that teen drivers pose higher risk as compared to other drivers. Because they are teen drivers, they have higher chance of getting into road accidents and are frequently ticketed for traffic offenses. And with higher chance of getting into accidents or violating the traffic laws means higher chance for claiming car insurance loss.

Although getting car insurance for your teens may be pretty expensive, getting affordable car insurance quote for them is still possible. Just read on to find more.

• Check the Internet for car insurance quotes. Car insurance rates greatly differ among providers. The Internet is your best method for searching the cheapest car insurance quotes possible. You just have to a do some comparing with the car insurance quotes that you got and you’ll get the cheapest insurance quotes in no time.
• Convince you teen to go for inexpensive cars. Although most teens will surely ask for cars that they can show off to their friends, those who go for expensive cars also pay for higher car insurance rates.
• Let your teen study more and strive for good grades. If she or he is able to get a GPA of 2.0 or better, car insurance companies will award her or him with car insurance discounts thus lower car insurance quote.
• Let your teen enroll in a defensive driving school. In most cases, car insurance companies offer discount for drivers who have attended a course like that.
• Make sure that your teen knows the importance of driving safely. Having a good driving record is always considered to be one of the most effective ways in getting affordable car insurance rates. Your teen should always follow the traffic rules.