Teen Car Insurance Quotes - How to Get Them Cheap

If you have been looking for car insurance for your teen, or if you are a teenager who is responsible for paying for your own car insurance, you have probably noticed that insurance rates for young drivers are typically quite high. You can't go without car insurance though, so it is critical that you obtain the coverage you need at rates you can afford.  Fortunately, there are several ways you can get cheap teen car insurance quotes.

One of the simplest ways to do this is to have the parents and the teenager on the same policy. Insurance companies use complex calculations to determine auto insurance rates - one of these calculations often involves a sort of “driver averaging”, in which the risks of everyone on the policy are factored together, and then divided by the number of drivers. When there are adult drivers on the policy, this means that you will often pay less per person than if the teen had his or her own policy.

Another good way to get cheap teen car insurance rates is to find out about all of the discounts that your insurance company has available. Often, if a teenager gets good grades in school, he or she will qualify for a “good student” discount, which can shave as much as 10% off the policy premiums. Also, if you insure more than one vehicle on a policy, you can usually obtain a “multi-car” discount, which can reduce your rates by another 5 to 10%.

A third way to reduce rates and get cheap teen auto insurance is to have everyone on the policy take a voluntary defensive driving course. Many companies will reduce your rates by as much as 15% if you can provide proof that you have taken such a course.

Insuring a teenage driver is never cheap, but if you use the tips here, you can obtain the cheapest teen car insurance quotes possible.