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Money-Saving Tips for Teen Auto Insurance

Whether you’re a parent or a teen, you can find ways to save money on teen car insurance.

Parents

First, don’t assume having a separate policy for your teen will save money; on the contrary, it could actually cost more to purchase a separate car insurance policy for your teen than to just add your teen driver to your own policy.

Why? Because both you and your teen will be paying for separate car insurance policies. Even if you face a potentially significant increase on your policy, it will likely be more expensive to pay for two policies.

Below are a few additional ways you can save money when you add your teen to your policy:

  • You could get a discount for insuring multiple vehicles with the same company.
    • Ask about this discount if your teen has his or her own car.
  • Consider sensible vehicles with high safety ratings over flashy, expensive rides, which cost more to insure.
  • Talk to your agent about increasing your deductible.
    • Typically, you can get lower premiums by increasing your deductible; just make sure you can afford to pay the deductible in the event of an incident.
  • Based on your vehicle(s), determine whether you actually need collision and/or comprehensive coverage.
    • Although teen drivers are more likely to become involved in accidents, it might not make sense to purchase these coverages for older models.
  • Ask your agent about “occasional” and “pleasure-only” driver discounts.
    • Generally, rates increase if you list your teen as a primary driver. Often, this applies to teens who are away at college, too (especially if the teen doesn’t bring a vehicle to school).
  • Find out if you’re eligible for discounts unrelated to your teen.
    • Do you have multi-line coverage or qualify for good driver discounts? Both situations could help you save money on car insurance.
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