Enter your ZIP code:

How to Keep Teen Car Insurance Quotes at Bay

by Penny M. Hagerman

Teenagers love the sense of freedom and control they get from driving a car. With license and steering wheel in hand, the world is theirs—and they feel invincible.

But the rush a teen gets behind the wheel of a car often causes him or her to take risks that experienced drivers don't. This makes a teen a serious threat to everyone on the road, causes car insurance rates to skyrocket and results in higher premiums overall.

Teaching by Example

More young people between the ages of 15 and 20 die in car crashes than from anything else—causing risk for the car insurance company and higher quotes for teen drivers.

One of the best ways to offset this risk, lower teen car insurance quotes and keep their teen safe, is for adults to set a good example for their teen behind the car wheel.

Parents who actively model safe driving practices like these in front of their teen ultimately produce better adult drivers with lower car insurance quotes:

  • Brush up on state laws. Know state driving and insurance rules, as well as their effect on teen car insurance quotes, and practice them while driving.
  • Enforce safety and low quotes by making your teen participate in Graduated Driver Licensing, a three-step program that helps new drivers practice car driving under lower-risk conditions before becoming fully car licensed and requesting quotes.
  • Set and enforce rules for when, where, how and with whom the teen may drive the car—and practice the same guidelines in the car yourself—to help keep teen quotes low.
  • Ask your car insurance company about electronic tracking devices that monitor the way your teen drives the car—and their effect on quotes. Then use the information gathered to teach teen drivers safe habits and save money with low teen quotes.

Practicing Safe Driving

Adding a young person to the parents' insurance policy can raise car insurance rates 50 to 100 percent.

But if they're willing to go the extra mile, teens can minimize financial impact and help keep everyone safe by taking these few, simple steps:

  • Keep the number of car passengers to a minimum. The more people riding in the car, the greater the likelihood of accident—and high teen insurance quotes. In fact, with multiple car passengers, the risk of crashing is three to five times greater than when driving alone, which partially accounts for high teen insurance rates.
  • Slow down. 90 percent of teens admit to speeding—one of the main causes of teen car crashes—and higher insurance quotes.
  • Buckle up. About two-thirds of teens who die in car wrecks are not wearing seat belts. For more advice on the subject, talk to your insurance agent about the effect of accident on teen quotes.
  • Put the phone down. Driving while talking on the phone, dialing or texting distracts a teen, and increases the incidence of car accident and high insurance quotes.
  • Speak up. If a teen friend is driving recklessly, ask him or her to quit—or get out of the car as soon as it's safe to do so.
  • Stay home when under the influence. 25 percent of teen drivers killed are intoxicated, leading to increased teen insurance quotes.

Experts say the part of the teen brain that weighs risk, makes judgment calls and controls impulsive teen behavior doesn't mature until they're around 25. However, young drivers can overcome most immaturity issues—and keep car insurance rates low—simply by following these guidelines.

Lowering Teen Car Insurance Quotes

Though teens, as a group, carry higher car insurance quotes than adults, much of that cost can be moderated through active learning and safe teen car driving.

So practice safe driving in front of your teen...and require them to follow suit. You'll keep everyone more secure, keep more of your hard-earned money—and raise a mature, responsible driver your insurance company will love.

List of Articles
No. Subject Author Views
85 Rental Car Insurance: Do You Really Need It? youcomparequotes 17717
84 Auto Insurance: The Secret Weapon for Saving at the Pump youcomparequotes 18041
83 Getting the Cheapest Car Insurance in Your State youcomparequotes 16991
82 Play It Safe for Cheap Truck Insurance Rates youcomparequotes 17535
81 How to Get Discount Auto Insurance youcomparequotes 17794
80 Insurance for Van Lovers youcomparequotes 17539
79 Car Insurance That Fits Your Needs youcomparequotes 17193
78 Online Car Insurance Quotes in 5 Easy Steps youcomparequotes 17380
77 Getting Insured with an Online Auto Insurance Quote youcomparequotes 18398
76 Home and Auto Insurance: Sure-Fire Protection in Unsure Times youcomparequotes 17195
» How to Keep Teen Car Insurance Quotes at Bay youcomparequotes 19436
74 Choosing Cheap Online Car Insurance That Fits Your Life youcomparequotes 17781
73 Auto Insurance from InsureMe youcomparequotes 17696
72 Car Insurance Comparisons Save You Time & Hassle youcomparequotes 18062
71 Car Insurance Companies & InsureMe Save You Money youcomparequotes 18452
70 Buying and Insuring a New Car youcomparequotes 16814
69 Compare Auto Insurance Rates youcomparequotes 17142
68 Safety Measures Lower Auto Insurance Quotes youcomparequotes 16648
67 Getting Car Insurance Quotes, from Beginning to End youcomparequotes 16741
66 The Car Insurance Quote & Ratings Factors youcomparequotes 17200
65 What's Behind Your Auto Insurance Quotes? youcomparequotes 17310
64 How Cheap Car Insurance Can Save You Money youcomparequotes 16657
63 How to Reduce Car Insurance Prices youcomparequotes 17188
62 Getting Insured with Free Car Insurance Quotes youcomparequotes 17381
61 Auto Owners Insurance & Costly Driving Mistakes youcomparequotes 16697
60 Auto Insurance Cost & Your Ride youcomparequotes 17193
59 How No Fault Auto Insurance Works--or Doesn't youcomparequotes 16969
58 How to Get the Cheapest Car Insurance youcomparequotes 16877
57 Selecting a Car Insurance Company youcomparequotes 17576
56 Finding New Car Insurance Following Cancellation or Nonrenewal youcomparequotes 17185
55 Get the Best Car Insurance Rates Around youcomparequotes 17426
54 Factors That Affect Your Car Insurance Quotes youcomparequotes 16463
53 Child Safety Belts Keep Kids Safe youcomparequotes 17129
52 Speeding and Car Insurance Rates youcomparequotes 16855
51 Not At Fault Car Insurance & Accidents youcomparequotes 16968
50 State Auto Insurance Becoming Available youcomparequotes 17454
49 Auto Insurance Gap Narrowed by Insurance youcomparequotes 17707
48 Car Insurance & Roommates or Family Members youcomparequotes 17280
47 PIP and No-Fault Auto Insurance Reform youcomparequotes 16978
46 PIP and No-Fault Auto Insurance Reform youcomparequotes 16882
45 SUVs: Minor Collision, Major Damage youcomparequotes 17433
44 Severe Weather Driving Tips youcomparequotes 17210
43 Avoiding Aggressive Drivers youcomparequotes 18072
42 Safety Tips & Car Insurance for Teens youcomparequotes 17126
41 Insurance for Cars: It's Your Choice youcomparequotes 17083
40 Car Insurance Quotes Save You Money youcomparequotes 17145
39 Finding & Comparing Auto Insurance Specialists youcomparequotes 18020
38 Safety Features Save Lives & Money youcomparequotes 16906
37 Curbing Auto Insurance Prices youcomparequotes 16447
36 Teen Auto Insurance youcomparequotes 16731
35 Car Insurance: Your Questions Answered youcomparequotes 16783
34 How to Buy Car Insurance youcomparequotes 17419
33 Vehicle Insurance: Covering Any Kind of Car youcomparequotes 16698
32 Truck Insurance for Your Pride & Joy youcomparequotes 16486
31 How Insuring a Used Car Can Save You Money youcomparequotes 17514
30 All-in-One Policies Insure Car & Home Together youcomparequotes 17336
29 Credit Scores & Car Insurance youcomparequotes 17927
28 Classic Car Insurance Protects Your Relic Ride youcomparequotes 16882
27 Reducing SUV Insurance Rates youcomparequotes 16869
26 Good Driver Car Insurance Rewards Safe Driving youcomparequotes 17386
25 How to File an Auto Insurance Claim youcomparequotes 17024
24 Avoiding Deer Collisions While Driving youcomparequotes 17491
23 Cheap Auto Insurance through Safe Driving youcomparequotes 16847
22 Auto Insurance Basics That Save youcomparequotes 17248
21 It's Official - Men Are Terrible Drivers youcomparequotes 18752
20 Car Insurance Quote Saves Money and Stretches Income youcomparequotes 17500
19 Auto Insurance Quote Heavily Dependent on Driver Behavior youcomparequotes 17024
18 Car Insurance Quotes Separate Fact from Fiction youcomparequotes 17284
17 How What You Drive Affects Your Auto Insurance Quotes youcomparequotes 17057
16 Cheaper Car Insurance in 8 Easy Steps youcomparequotes 17408
15 Save Hundreds on Your Car Insurance Without Switching to Geico youcomparequotes 16897
14 Your Options in Motorcycle Insurance youcomparequotes 16874
13 The Advantages of RV Insurance youcomparequotes 17246
12 Enjoying the Classics: How to Insure Your Old Relic youcomparequotes 34753
11 Insuring Your Teen Driver youcomparequotes 17019
10 The SR22 & Car Insurance youcomparequotes 16502
9 Auto Insurance & Generic Parts youcomparequotes 17210
8 A Trip Gone Wrong: Summer Breakdown on the Road youcomparequotes 18345
7 Drowsy Drivers, Wake Up! youcomparequotes 16509
6 Cheap Car Insurance Protection You Deserve youcomparequotes 17886
5 Top 8 Safety Picks for Car Insurance Discounts youcomparequotes 17315
4 Drivers: 7 Important Facts about Texting That Could Save Your Life youcomparequotes 21412
3 Buckles: Use Them for Safety, Not for Show youcomparequotes 16816
2 Auto Insurance Quotes youcomparequotes 17279
1 Why You Should Give Thanks -- And Stay Home This Year youcomparequotes 17540
XE Login