Getting your license is one of the highlights of any teenager’s life, but it is also a huge responsibility. One of the first things you’ll need to do when you begin driving is to have insurance. If you have your own vehicle you’ll need your own insurance policy but if you are sharing a vehicle with your parents then you can be added as an insured driver on their policy.
As a teen driver, you can expect that your insurance premium will be expensive. Since you are brand new to being behind the wheel, the assumption is that you are still learning to drive and that mistakes will happen. Consequently, you are seen as a riskier driver than someone who has been operating a vehicle for years. Luckily, there are still ways to keep your insurance rates in check including the below:
- Get good grades! Many insurance companies offer a discount for having good grades.
- Drive safely! The longer you go without an accident, claim, and traffic citation the more that an insurance company will start treating you as an experienced driver.
- Opt for a high deductible. If you can afford it, keep your collision and comprehensive deductible as high as possible because this will reduce your insurance premium.
- Avoid flashy cars. New drivers that own a sports car or brand new vehicle can expect to pay high rates. Opting for an older yet reliable used car will help save a few dollars.
For your teenager auto insurance needs, contact the Willyard Agency in Highland Village, TX. We’ll walk you through your options while finding ways to save you money.