How to Get a Discount on Car Insurance for Minors


Although driving across states can be a lot of fun, the US government has imposed certain obligations on every license holder. The legal status of a driver’s licence in the United States does not make you legally allowed to drive. You must have car insurance to ensure that everything is under control, even during accidents or catastrophes. Although the premium may seem a bit high, it is not unreasonable if you’re a novice driver or a minor.

Discrimination? No. Insurance companies weigh this carefully. This is normal when dealing with people more likely to be in an accident. The price of car insurance can vary depending on the location of the applicant, its brand, model, and age. Pricing car insurance depends on the driver. This covers his/her ability to drive safely and is based on experience.

Although insurance for those under 21 years old is expensive, it’s possible to save even more. How?

Everyone who is deserving will be awarded a reward, even teens drivers. High grades at an accredited driving school or the driving test are the best ways to get insurance discounts. Many insurers offer discounts up to 25% for those who are proficient at the gas pedal and steering wheel.

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Driving experience is an important determinant of a premium for insurance. The number of hours spent behind the wheel can also help to lower the cost of your policy. You don’t need to worry if you aren’t gifted with the ability to navigate the roads. The Graduated Driver Licensing Law requires a 50-hour log with an experienced driver. However, taking the extra step of a formal driving lesson, even if you don’t have any distinction in terms grade, can get you at least 10% off. It is a win-win scenario. This means that you have more safety on the road thanks to experience and lessons learned and that your auto insurance premium is lower to your parents’ satisfaction.

You can also get a discount by increasing the coverage of your parents’ existing insurance. It is more costly to insure a teenager separately than enrolling under an existing policy. While savings may vary depending on policy, not all companies allow you to add-ons.

Teens and their parents usually only consider insurance options after purchasing a car and obtaining a license. If you’re smart enough, you will consider it before you buy a car.

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However, there is one way to lower insurance rates for teens. That is, register a car that costs less than luxury cars. The rule of thumb is that insurance costs are lower if the car is cheaper than it is. There is more to this rule.

Each insurance company has a list of vehicles that they classify into two categories: the more stable and the more vulnerable. Your policy will be cheaper if your vehicle is safer. The safest cars are those that are simple to maintain, easy to steal, and ergonomically designed. The most troublesome cars are those with a high rate of electrical and mechanical failures that can lead to accidents and hot cars that are frequently stolen.

No matter what the price of car insurance for minors may be, the most important aspect to consider when choosing a company to trust your security is the coverage and track record in paying members. If the policy is worthwhile, saving on premiums can be a great perk.

James Henry Abrina, an editor, writer and SEO specialist, is currently a Corporate Communication Professional and Market Desk Strategist, Business Developer Officer, and Unit Head for Business Profiles Incorporated.

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He specializes in business continuity management, security management and business intelligence. He works with the company to promote Business Continuity Planning, which will change the way the Philippine business sector views crisis management and response.