Keep a Clean Driving Record — Just One DWI Conviction Can Raise
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Five Tips For Better Auto Insurance Rates For Teens
Keep a Clean Driving Record — Just one DWI conviction can raise teen car insurance premiums from a base premium of a few hundred dollars to thousands of dollars annually for at least three years.
Earn Brownie Points — Many companies offer teen car insurance discounts to teens that attend high school or college full-time and maintain at least a 3.0 grade point average. Insurance agents also offer discounts to those taking a locally accredited driver safety course or other state-certified programs. (Ask your agent about these discounts, or get online information from the National Safety Council.)
Involve Yourself in Your Community — Young people who join certain civic or community organizations such as Eagle Scouts or Girl Scouts may receive discounts from their teen car insurance providers, says David Champion of Consumer Reports. These companies are trying to find the least risky teens, so they often reward time spent bettering your community with discounts, Champion adds.
Choose a Safer Car — Teen car insurance may cost up to 50 percent less if your teen drives a safer car such as a Honda Civic or a Volvo, according to Champion. Newer model cars with airbags are the least expensive to insure—and the safest for your teen to drive. Sports cars, expensive cars, high-performance cars and SUVs carry higher risk and higher teen car insurance premiums.
Add Safety Features — Safety features such as anti-lock brakes, traction control, automatic seat belts and side-impact air bags can reduce teen car insurance rates considerably.
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