Have a Young Driver? 3 Tips for Insuring Your Teenage Driver
Young drivers often have the highest insurance rates, primarily because they are considered more of a “risk” than older drivers due to more volatile habits behind the wheel.
Insuring teenage drivers can therefore be a costly undertaking unless you take steps to ensure that you are obtaining the lowest possible rates when securing an insurance policy. Here are a few ways to make sure a teenage driver is able to get the best rates for their car insurance coverage:
- Have safety features installed on your vehicle if it did not come with them. This would include things like an active alarm system or a passive anti-theft device, which can lower the insurance premiums.
- Pay attention to the kind of car your teen will be driving (and will be insured for). Certain vehicle types have higher rates because they are a specific color, get pulled over more often, are designated as a sports or high performance car, or get stolen more frequently. If the vehicle that will be driven is considered a “high risk” vehicle, the insurance rates will naturally be higher.
- Be a conscientious driver and apply defensive driving strategies to reduce the number of incidents and tickets that are on your record. The more violations that accrue on a driving record, the higher the insurance premiums.
When you are ready to start shopping for car insurance for your teenage driver, Schumacher Insurance Group can meet all your needs. As an independent insurance agency, we have access to the policies and plans offered by many different major carriers, enabling us to provide you with the options you need at the lowest possible rates. Contact us today to learn more!