Does getting bad grades in school make my car insurance more expensive?

Can my bad grades really make their policy cost more? I just got my learner's permit and was added to my mom and dad's insurance policy. Mom keeps saying that if I don't get my grades up, I can't drive anymore because I will be too expensive.

“There are many reasons why it is important to get good grades in school and helping your parents save money on their car insurance is one of them.
Their policy won’t be penalized if your grades slip, but if you can keep your GPA above a 3.0, it will help your parents save up to 25% of the cost of having you listed on their insurance policy. Your mom could have also meant that she just won’t let you drive if your grades don’t get better.
High school is hard, I remember it well! Have your parents check in with their insurance agent to see if they can save money with any of these other discounts:
  • Good student discount - it will be available when you are a college student too.
  • Driver training discount
  • Defensive driver discount
  • Safety features
  • Sorority/Fraternity affiliations”
Shannon Martin
Answered on Jul 12, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.

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