One of the biggest expenses you will incur when your teen is ready to get behind the wheel is the leap in your auto insurance premiums. However, you can take advantage of several discounts as your teen starts driving, which will actually make your premiums much more reasonable. Discuss these options with your student and see how many you can qualify for. This is definitely a time when working together will benefit both of you.
Getting Good Grades Pays Off
If your student gets good grades each semester, then they may qualify for the good student discount that many insurance carriers offer to teenage drivers. Consistently getting good grades shows responsibility and a commitment to being the best student. It is hoped that the same commitment and responsibility they exhibit toward their education will also be demonstrated when they are behind the wheel of a car.
Safe Driving Discounts
Teen drivers will often take after their parents. After all, you are probably the one who taught them how to drive and are definitely the one they ride with the most. When you are a model driver, it is hoped that students will follow in your footsteps. Teach them the way you want them to drive by setting the best example possible.
Safer Car, Lower Premiums
If you have a newer car that you let your children drive, it may work to their advantage. Modern vehicles have a variety of safety features that your children can use while driving. Back-up cameras, sensors that alert them when someone is passing, and hands-free communication will allow them to stay focused on the road. These features are valuable for new drivers who are nervous about being behind the wheel.
Older Cars, Fewer Distractions
If you have a driver that is easily distracted, buy them an older car that doesn’t have a lot of gadgets. Older vehicles have fewer bells and whistles that could possibly distract a young driver with a short attention span. With fewer electrical options like the sunroof, adjustable seats, heated seats, and digital radio, a student can keep their focus on the road where it belongs.
If you choose to buy your teenager their own vehicle, you may qualify for a multi-car discount and maybe even the option to bundle your home and auto policies. These are easy discounts to qualify for and will save you money in the long run.
When your teenager comes of age and starts driving on their own, you will want to find ways to make your auto insurance more affordable. Contact the agents of Scautub Agency as soon as you have a free moment or two. We can show you many different ways to save money on your insurance policies. Call us today to set up an appointment.