Is your teenager ready to go? As a parent, you may feel a little nervous – driving is a big step your teenager takes in adulthood. At Paradiso Insurance, we are here to alleviate some of the worries you may have when you leave your keys and show you how to get insurance discounts for teenage drivers.
One of these concerns may include securing an insurance rebate for your teen driver. Teenagers are usually added to their parents' auto policies, and it can be overwhelming to see a premium increase on your insurance. The reason why insurance for teenage drivers is often more expensive is that they are inexperienced and have a higher risk of car collisions .
Realistically, there is no way to determine the total cost of insurance for teenage drivers without talking to one of our licensed agents for a free quote. However, there are different ways to get potential discounts on your insurance premium, even after you have added your teen driver to your insurance.
3 ways to get insurance discounts for teenage drivers
Good student discount
Does your teenager study and work hard? If so, it can really pay off, as different carriers offer good student insurance discounts to teenage drivers who keep good grades while in school.
The discount percentage varies from carrier to carrier and to be eligible, your teenage driver must have a B or higher as their grade point average. Carriers also usually request to see a copy of your teen's report card.
Training driving courses not only help your teen become a more responsible driver, but can also help you get discounted insurance premiums. If your teen went to driver training, be sure to make your insurance agent aware of it!
In addition, various carriers will apply insurance rebates for teenage drivers who successfully completed the teenSMART program. The program is computer-based and tests your teen's skills in terms of safety, lifestyle choices and everyday dangers that many of us face along the way every day. Afterwards, your teenage driver will receive a certificate of completion of the program, and our insurance agency can help you look for the best discount available.
Vehicle safety features
Airbags, anti-lock brakes, anti-theft protection, and even traction control are standard in modern vehicles, and carriers are happy to give you a discount for having them. Safety features will help you stay safe and will surely keep your teen driver safe in the event of an accident while on the road.
When looking for a vehicle with your teen, make sure it includes some of these features!
Taking Advantage of Technology
This may seem invasive to your teen, but technologies such as telematic devices can track the time your teen is driving, hard braking and their speed. They do not track where the car is or who is driving. That being said, if your teen happens to allow their friends to drive their vehicle, you will not know from the device report, but you will be aware of any reckless driving behavior. Some Telematics devices even allow you to send information to your smartphone via an app .
Telematics devices are well worth the investment, as your teen's safety is important. But we are also not 100% sure how the carrier can determine who is driving the vehicle if the device can only track certain data. Some carriers offer discounts for having these in the car, and some will also charge a fee if it is reckless behavior. The choice is yours as a parent!
With Paradiso Insurance Teens, they will be safe on the streets
Before your teen takes an important step into adulthood, let our agency give them the coverage they need for the best price we can find, and we take in any discounts you qualify for along the way. Contact one of our teenage insurance agents today
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