The Best Type of Car Insurance to Get if You Are a Teenager
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- Coverage plans offering strong good student discounts
- Comprehensive coverage
- Collision coverage
- Saving money on car insurance
With so many variables to manage—such as the region or state you live in, the car you drive, and your credit history—figuring the insurance process out can have you missing the road quick. But if you have (or are) a teenage driver, it is especially important to have the right coverage. Insurance for teen drivers is costly. The price can be entirely out of proportion with most any other insurance coverage.
But managing coverage doesn’t have to be a stressful journey. Optimizing your policy for young drivers is easy to do once you know what to look for. And finding the best car insurance plan for a young adult will ensure that your family is protects without breaking the bank.
Here’s some of the best types of insurance to get if you are a teenager, with help from car insurance comparison and broker app JJerry.
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Coverage plans offering strong good student discounts
Does your teenager have good grades? Would they be able to get good grades if they knew it would save them money? Find auto insurance companies with good student discounts. Beyond just the financial burden alleviated by these benefits, these plans also act as an incentive to keep grades up while keeping insurance rates down.
Good student discounts range from roughly 15% to up to around 25%, but results vary by region. Even still, that’s a pretty big incentive to continue working hard in the classroom.
Finding a strong discount is vital, then.
When a parent worries about their teenager driving, they’re mostly likely picturing a car accident. Maybe their teen is distracted, or maybe they’re on the road with someone who is texting.
But there are plenty of ways a car can get damaged that have nothing to do with accidents with other drivers. Comprehensive coverage covers things like theft, damage from natural disasters, fire damage, or (perhaps most common for new drivers) collisions with animals. The damage done by these things can be alleviated in advance through comprehensive coverage.
While some risks are certainly less threatening than others, and personalizing your comprehensive coverage to your situation is absolutely vital, comprehensive coverage can be a wise investment you make when done correctly.
Car accidents happen. It’s a natural part of driving that affects all of us eventually, even if it through no fault of our own. And this is especially true for teens, who have accidents at higher rates than other drivers.
But with rates already being much more expensive for those who are under 25 and those who are older, an accident can be a major financial game changer. Rates spike astronomically when teenage drivers get into an accident, even though mistakes are bound to happen.
That’s what makes collision coverage so important.
Collision coverage takes over when you have a car accident, protecting you from the financial burden of covering damages. That can include everything from denting a street light to running right into a Tesla.
While you might not always think you need strong collision coverage, having it as a backup plan is worth saving the potential problems down the line.
Saving money on car insurance
Comparing car insurance is vital to car ownership, but many overpay as services change. If you’d like to save money on the car insurance bill but don’t have the time or energy to compare rates and services all day, Jerry can do the heavy lifting in finding better car insurance for you, tailored to your specific situation.
If you want to save money on car insurance, the Jerry app is a good place to start. A licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even help you cancel your old policy.
And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price.
Haven’t shopped for insurance in the last six months? There might be hundreds $$$ in savings waiting for you.
Judith switched to Progressive
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