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How do I reduce car insurance for new drivers?
My son is about to start driving, and adding him to my insurance policy is turning out to be very expensive. How can I reduce costs?
Matthew Macgugan · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Ah yes, the age-old dilemma of insuring a young driver! We hear you—it can be a pricey investment to have a child start driving. Lucky for you, there are ways you can find
cheap car insurance
while making sure you have all the coverage your son could need.- Pick higher deductibles. Having acomprehensiveandcollisiondeductible of at least $1,000 will lower your monthly insurance payments, though it does mean paying more out of pocket in the event of an accident.
- Decline comprehensive and collision coverage. Older cars don’t necessarily need full coverage insurance, especially if they aren’t worth much more than your deductible. You may end up losing a lot of money to insurance that you’ll never get back from the company if the car is totaled.
- Pick a safe car. Investing in asafe car for young driverscan lead to lower insurance rates and peace of mind for your family.
- See if your children qualify for good student discounts. Many insurance providers offerthese discountson premiums to students who have a GPA of 3.0 or higher. Of course, you’ll need to verify these grades by submitting a transcript every few months.
- Tell your insurance company if your young drivers go off to college. If your child goes to school over 100 miles from your home, you can get a significant discount on your premium while still having coverage when they come home for vacations.
- Shop around. Comparing the costs and quotes from multiple insurance companies can help you find the best savings.Jerrycan help you get insurance quotes from multiple companies in seconds! That way all you need to do is pick the plan that works best for you and your family.
Best of luck, and may all your rates be low!
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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