{"id":2465,"date":"2023-05-10T16:20:41","date_gmt":"2023-05-10T20:20:41","guid":{"rendered":"https:\/\/smitherwoodinsurance.com\/?p=2465"},"modified":"2023-05-10T16:20:41","modified_gmt":"2023-05-10T20:20:41","slug":"how-to-lower-teenage-drivers-car-insurance-rates","status":"publish","type":"post","link":"https:\/\/smitherwoodinsurance.com\/resources\/how-to-lower-teenage-drivers-car-insurance-rates\/","title":{"rendered":"How to lower teenage drivers\u2019 car insurance rates"},"content":{"rendered":"

Teenagers often face higher car insurance premiums due to their inexperience on the road and the higher risk they present to insurers.<\/h2>\n

However, there are several ways to reduce these costs:<\/h3>\n
    \n
  1. Good Student Discounts<\/b>: Some insurance companies offer discounts to students who maintain good grades. Typically, a “B” average or better is required.<\/li>\n
  2. Driver’s Education<\/b>: Enrolling your teenager in a driver’s education course can be beneficial. Some insurers provide discounts for the completion of approved courses.<\/li>\n
  3. Safe Driving Programs<\/b>: Some insurance companies offer discounts for young drivers participating in safe driving programs. These programs often include monitoring driving habits with telematics installed in the car.<\/li>\n
  4. Choose a Car with Safety Features<\/b>: Vehicles with safety features like blind spot collision-avoidance assist, automatic emergency braking, anti-lock brakes, airbags, and anti-theft devices are generally cheaper to insure.<\/li>\n
  5. Raise the Deductible<\/b>: Increasing the deductible can lower the premium. But remember that you will have to pay more out of pocket in the event of an accident.<\/li>\n
  6. Limit the Miles Driven<\/b>: Some insurers offer low-mileage discounts. If your teen is driving a little, this could be a way to save.<\/li>\n
  7. Keep a Clean Driving Record<\/b>: Encourage your teenager to drive safely and obey all traffic laws. A clean driving record can significantly lower insurance costs over time.<\/li>\n
  8. Bundling Policies<\/b>: If you have multiple insurance policies (home, auto, life, etc.), consider bundling them with the same company. This often results in a discount.<\/li>\n
  9. Vehicle Type<\/b>: The car’s make, model, and year can significantly impact insurance rates. Choose a sensible vehicle to help keep insurance costs down.<\/li>\n
  10. Add the Teen to the Parents’ Policy<\/b>: Instead of getting a separate policy for your teenager, consider adding them to your existing policy. Adding a teen to a parent’s policy is often cheaper than having them alone.<\/li>\n<\/ol>\n
    Remember, having an insurance broker who can shop around with different insurers is always a good idea to ensure you get the best deal. Each insurance company has its way of calculating premiums, so prices can vary significantly between insurers.<\/h5>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":2466,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[15],"tags":[],"acf":[],"yoast_head":"\nHow to lower teenage drivers\u2019 car insurance rates - Smitherwood Insurance<\/title>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Smitherwood Insurance\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/smitherwoodinsurance.com\/resources\/how-to-lower-teenage-drivers-car-insurance-rates\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/smitherwoodinsurance.com\/resources\/how-to-lower-teenage-drivers-car-insurance-rates\/\"},\"author\":{\"name\":\"Smitherwood Insurance\",\"@id\":\"https:\/\/smitherwoodinsurance.com\/#\/schema\/person\/1958fa7a7e05dcfeabd2a72ab0cbad07\"},\"headline\":\"How to lower teenage drivers\u2019 car insurance rates\",\"datePublished\":\"2023-05-10T20:20:41+00:00\",\"dateModified\":\"2023-05-10T20:20:41+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/smitherwoodinsurance.com\/resources\/how-to-lower-teenage-drivers-car-insurance-rates\/\"},\"wordCount\":593,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/smitherwoodinsurance.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/smitherwoodinsurance.com\/resources\/how-to-lower-teenage-drivers-car-insurance-rates\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/smitherwoodinsurance.com\/wp-content\/uploads\/2023\/05\/Confident-Teen-Takes-the-Wheel-scaled-e1683749722203.jpeg\",\"articleSection\":[\"Resources\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/smitherwoodinsurance.com\/resources\/how-to-lower-teenage-drivers-car-insurance-rates\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/smitherwoodinsurance.com\/resources\/how-to-lower-teenage-drivers-car-insurance-rates\/\",\"url\":\"https:\/\/smitherwoodinsurance.com\/resources\/how-to-lower-teenage-drivers-car-insurance-rates\/\",\"name\":\"How to lower teenage drivers\u2019 car insurance rates - 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