| If you are dreading the added cost of your teen being | | | | driving school and spend a lot of time in the car with |
| added to your insurance policy, breathe a sigh of relief | | | | them yourself. If it makes you too nervous, ask your |
| because you can cut that cost significantly! Most of | | | | spouse or a trusted friend to sit in for you. |
| the discounts and rate reductions you can get involve | | | | Personalized instruction will help your teen be a safer |
| planning, though, so if your teen is close to driving age | | | | driver and graduating from driving school will reduce |
| you'll need to start taking action right now. | | | | insurance premiums. |
| Vehicles and Coverage Adjustment | | | | Is your teen a good student with a 3.0 average or |
| Did your parents get you a brand new car when you | | | | better? If so, you could save up to 15% with a Good |
| began driving? Most of us were given a used car or | | | | Student discount! This is a good motivation for your |
| had to save up for one. That's a very smart way to | | | | teen to do well in school, especially if he or she is |
| save on insurance for your teen. They may want a | | | | contributing to or paying the cost of their insurance. |
| new car and you might want all the safety features of | | | | Be Proactive |
| the new models but it will cost you more for insurance. | | | | You won't get a discount for imposing a curfew on |
| New cars are more costly to repair and replace than | | | | your teen but you can save yourself a lot of worry |
| used ones so find a reliable pre-owned car with good | | | | and possibly avoid tragedy. Studies show that a |
| safety features for lower insurance premiums. | | | | majority of teen driving accidents happen after 9PM. |
| You can save money, too, by making some changes | | | | Many teens don't have a reason to be out that late, |
| to your coverage. Raise your deductible; the more | | | | anyway. They'll object, but you'll increase your chances |
| you're willing to pay out of pocket, the less your | | | | of having grandchildren by imposing a curfew. |
| premiums will be. Another reason to buy a used car is | | | | Teach your teen good driving habits. Again, it won't |
| that you won't be required to carry collision insurance if | | | | save you money on your premiums right away but |
| you don't have a loan attached to the car or you've | | | | you'll lower your chances of having to make a claim |
| listed collateral other than the car itself. These two | | | | by removing distractions. Driving with two or more |
| things alone can save a bundle on insurance! | | | | friends, listening to loud music, texting or talking on a cell |
| Get Involved! | | | | phone are major contributors to teen accidents and |
| Acting as your teen's driving teacher might save you | | | | deaths. Some states limit the number of passengers a |
| the cost of driving school but it will cost you more | | | | teen can have and there are an increasing number of |
| when you buy insurance. Enroll your teen in a reputable | | | | states that are banning cell phones while driving. |