Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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If you are reading this, chances are that your teenager is learning to drive or already has that little piece of plastic that, to said teenager, equals freedom!

If your child is a boy, you likely know that auto insurance for boys is much more than that for girls. But if you have a daughter, you can’t start rejoicing yet; teenagers are more expensive to insure than adults.

So, what’s a parent to do? Learn how to save some money on auto insurance and implement the tips immediately.

Be sure to do your research and compare cheap car insurance company reviews online. You can get started right now – compare auto insurance quotes today by entering your zip code!

Tips to Save on Teen Car Insurance

Learn how to save money and find the best teen auto insurance policy available by following these tips below:

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1. Raise Your Deductible

If you have money set aside to cover minor costs on your own, you won’t need such a small deductible. Putting at least $1000 aside in a savings account and raising your deductible from $250 to $1,000 will significantly lower the premium. Check with a few insurers to see which company offers the best rates for each deductible.

2. Lower Your Collision Insurance

If your teen is driving an old beater that’s worth no more than your policy’s deductible, there’s really no reason to have collision insurance on the car. If your cars are financed, you may have some collision insurance through the dealership, so check with them to see if you can get away with a lower limit.

3. Don’t File Unnecessary Claims

If you have an emergency fund and get a small fender bender, don’t file a claim. Take care of the repair yourself. People who make too many claims will see their insurance premiums rise over time.

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4. Keep Your Teen on Your Policy

Financially speaking, it makes more sense to keep your teen on your policy. If your teen won’t be getting his own car and you currently have two cars, he will probably be put down as a part-time driver and his part of the premiums will be less.

5. Low Mileage Discounts

If your teen will have her own car, and be considered a full-time driver, check with auto insurance companies to see if they offer a low mileage discount. Since she is in school for most of the day, her diving hours will be limited and the chance of her needing to file a claim is reduced significantly. If you can keep a record of the miles that your teen drives you can save between five and fifteen percent.

Similarly, when a teen goes away to college and doesn’t have a car with him, you should ask your auto insurance carrier what discount they can give you since he won’t be driving at all. You never want to drop them from having any sort of coverage, as that can cause trouble when they want to get their own policy, but having them as a non-driver should net you some savings.

6. Combine Insurance Policies

Some insurance companies will offer discounts if you have all of your policies with them: auto insurance, homeowners or renters insurance and life insurance. See which companies will give you discounts for keeping all of your policies in one place.

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7. Use an Anti-Theft Device

Some auto insurance companies will offer discounts if you purchase and install devices that deter thieves from entering. Check with your company to see if they offer this discount.

8. Update Your Info Every Six Months

Check back with your auto insurance company every three to six months, especially if you have had changes that will decrease your premiums. If your teen is usually a C student, but moves up to the Honor Roll, you will want to update the company so that they can start giving you the good student discount.

9. Pay Annually

You’ll save more money by paying upfront, for the whole year, since it reduces the company’s paperwork and work load if they only have to send notices to you once a year. If you can’t afford to pay once a year, try to at least pay every six months.

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10. Qualify for the Good Student Discount

If your teen isn’t on the honor roll yet, show him how much he will save on his auto insurance by hitting the books a bit harder. Students with a B average are seen as being more responsible and can be given discounts of ten to twenty percent; when you are checking insurance companies, ask about this discount as well.

Ready to save money on teen auto insurance rates? Just enter your zip code to start!

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Ways to Involve Your Teenager

Getting your teenager involved in the process gives of obtaining car insurance is a good idea because it makes them responsible for their decisions and gives them the knowledge to make wise decisions about the type of car they drive, education, driving ability and of the course the actual cost that goes into car insurance.

New Red Sports Car vs. Tan Compact Car

If your teen will be getting her own car, you will want to take into account the color, make and model of the car. While it will take far too many hours for you to figure out which set of wheels are the cheapest to insure, educate your teen of the fact that some cars are more expensive to insure than others because they attract thieves and up the chances of you filing a claim.
Insurance companies also base premiums on engine size, safety rating and features and price. Stick with a simple, used car which is in good condition and not in a flashy color such as red.

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Take A Class

Check to see which auto insurance companies give discounts for students who have taken additional classes about safe driving. This can save as much as 15% off of your annual premiums just for a few hours worth of instruction. With budget cuts taking place in most public schools, thus reducing the number of qualified teachers, your teen could learn something new from such a class. As a bonus, you will feel better knowing that your child is gaining more knowledge on how to be a better driver.

Require Your Teen to Pay

While this won’t save you any money on your insurance premiums, it will turn your teen into a more responsible driver. When teens have to pay for something, all or in part, they are more likely to take care of it better. In the case of driving, your teen will treat the car better and obey traffic rules more frequently than the her peers whose parents pay for the car and insurance.

Don’t let Teen Car Insurance Drain Your Wallet

Now that you have these 13 tips on how to reduce your teen auto insurance policy it is time to compare insurance policies from all the top insurance providers in the nation. Start comparing insurance policies by simply entering your zip code. Now instead of worrying about both your child’s driving ability and car insurance you can focus more on making sure he/she is taking all precautions when hitting the road to drive.