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3 Tips For Keeping Your Auto Insurance Affordable When You Add A Teen Driver To Your Policy

If you have a teen in your family about to get their driver's license, he or she is probably ecstatic, while you may be worrying about how your auto insurance premiums will go up when a teenager is on your policy. Luckily, there are several things you can do to keep costs down and qualify for discounts after you add the new driver in your family to your policy. Use the following tips to keep your auto insurance premiums as low as possible after adding your teen driver:

Enroll Your Teen in Driving School

Many parents spend a lot of hours teaching their child how to drive, but it is always a good idea to enroll your teen in a driving school that combines behind the wheel training with defensive driving classroom instruction, like the one found at In addition to extra time learning about the fundamentals of driving, successfully completing a driving school course can result in a nice discount on your auto insurance after you add your teen. Make sure you hold on to the certificate of completion, as you may need to submit it to your insurance company in order to qualify for the discount.

Make Good Grades a Priority

Good grades aren't just important for getting into college-- they can also save you money on your family's auto insurance. A lot of insurance companies offer a discount on policies with a teen driver if the teen maintains a certain grade point average. It is often thought that if a student works hard to make good grades, he or she may be more responsible and tend to make better decisions as a new driver. It is a good idea to contact your insurance company to learn more about their GPA requirement for a good student discount, and also be prepared to send in report cards to prove that your teen did well in school.

Buy the Right Car

If your teen is going to have his or her own car that is covered by your auto insurance policy, it is important to choose the right one. It is a good idea for your teen to drive a sedan that is several years old, has an alarm system, and is also equipped with safety features like multiple air bags and anti-lock brakes. A vehicle that has a high safety rating along with a replacement value that is not too high is great for your new teen driver when you want to keep auto insurance costs affordable.