Affordable Teen Auto Insurance -- How Your Kid Can Help

So your teen is now old enough to drive? While this should be a joyful moment, many parents remember it with some mixed feelings. Apart from safety concerns (we all know that teen driver statistics are far from pleasant), there are also money issues. Add gas costs! Furthermore, your premiums might triple just because of this teen driver, your teen. Thankfully, it's NOT like the weather. You can do more than complain. You can take sure steps to pay less. I'll share them with you...

I'll just reel out a good number of tips before dwelling on just one...

1. It would help if you made it a family policy that your teen pays part or all of his/her premium. If they are responsible for paying part of the bills they'll be more open to suggestions that will reduce your rate.

2. Let them be the secondary driver and preferably on an older car that will do just fine with the state's minimum.

3. As much as possible, ensure your teen does NOT learn to drive from other kids. If they did learn on their own, let them take a course in defensive driving. Apart from the fact that this will save you on premium, it will help keep your teen and our roads safer.

4. Encourage your teen to maintain straight A's or a minimum of B's. Insurance companies have the belief that kids who maintain good grades are far less prone to recklessness behind wheels.

5. Make sure your teen drives a car that has all the recommended safety gadgets/features.

6. Reduce the time your teen spends behind wheels to the minimum. Let the use the mass transit as often as possible. This reduces their total mileage and, by extension, their premium. Furthermore, you'll also save on gas!

7. The average teen is very much at home on the internet. Let this work to your mutual benefit...

Your teen will definitely do a more extensive comparison shopping online than you'll do. They have more time on their hands and are definitely more comfortable with the internet.

So describe what you're looking for: The best quote that does NOT leave you compromised in any way. They should be encouraged to get quotes from NOT less than five sites.

Tell them to pick out the very best five or so quotes. Take some time out to see their shortlist and pick which gives you the best price/value. Some folks have saved over $1,000 by doing this right.

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