Do Young Drivers Need More Insurance Coverage?
Keep insurance costs low for your new young driver.
If your teen has gotten a driver's license, you’re likely feeling proud and also—let’s be real—nervous. Not all teens are bad drivers (you weren’t, right?), but the Insurance Institute for Highway Safety says that teens are three times more likely to have an accident than drivers age 20 and older.
Talk to an agent about the best car insurance coverage amounts for young drivers. You’ve probably guessed that car insurance for teens is higher than for older drivers. But there are ways to get your child covered without breaking the bank.
Enroll your teen in drivers education, which may get you a discount on new driver insurance.
Put your child on your auto policy as an additional driver, so your discounts will be applied.
Reward your child for getting top grades. A higher GPA may reduce your insurance premium.
Choose a safe car. Your teen may be dreaming of a convertible roadster, but a car with the latest safety equipment gets a lower auto insurance rate.
Stay Safe Behind the Wheel
Want to help keep your teen driver safe on the road? These steps can help:
Set a good example. Tempted to break the speed limit or run that orange light? Your teen is watching, so model the habits you want him or her to adopt.
Ban cell phone use while driving, which increases the risk of a crash. A CDC survey found that 41.5 percent of high school students had texted or e-mailed while driving within the past 30 days.
Talk to your teen about drunk driving, which impairs driving and claims more than 10,000 lives each year.
Consider riding along with your child or installing an electronic monitoring device in your teen’s car, so that you can monitor his or her driving, at least until he or she gets some on-the-road experience.
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AAA Auto Insurance
*The availability, qualifications, and amounts of coverages, costs and discounts may vary from state to state and there may be coverages and discounts not listed here. In addition, other terms, conditions, and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your AAA agent. Insurance products in California offered by AAA Northern California Insurance Agency. License #0175868, in Nevada by AAA Nevada and in Utah by AAA Utah. Insurance provided by CSAA Insurance Group, a AAA insurer.