Understanding The Intricacies Of Insurance

How To Find Cheap Insurance For Teen Drivers

If you are a teenager who has recently started driving, you may be a little stressed about car insurance. Car insurance is required by law in most of the United States, but it can be really expensive for teens. Whether you or your parents are going to pay for your car insurance, you will need to really look around to find a good deal. Car insurance is expensive for teens because they are less likely to know what they're doing and could cause accidents because of that.

Fortunately, there are a few ways to find relatively cheap car insurance for teen drivers. Here are a few things you may want to look into in order to save money on your first car insurance premiums.

Good Grades Pay

Several insurance companies offer discounts for students who can maintain a high grade-point average. Some even offer a direct correlation between the grade you earn and the discount you receive, so the higher your grades are, the better the discount is. While some online companies offer this service, you may need to talk to an insurance representative near you to get personalized service. 

Safe Driving Beacons

Many companies are also initiating driving beacon programs where you physically attach something to your car that monitors your speed and actions. While it is a slight breach in privacy, the savings are worth it. Some of these beacons require a Bluetooth connection to your phone when you drive so that it can monitor your phone use. As a parent of a teenage driver, this is also a wonderful way to keep track of how your teen is driving when you are not present; plus, keeping them off their phone will keep them safer. 

Shop Around

As a teen driver, you may be tempted to just be added to your parent's plan, but this may be one of the most expensive ways to go. You should really do a lot of shopping around both online and in person to make sure you are getting the best deal. Online insurance agencies may be able to offer you a significant discount when compared to local agencies. Make sure to do your research before you make a decision. 

In conclusion, you do not need to pay through the nose to get car insurance as a teen. If you know what to look for you should be able to find something that is reasonably priced and still offers sufficient coverage. 

To learn more, contact a resource like LA Insurance.