How do you afford teenage car insurance?

I'm 16 and I'm getting my own car. I need insurance, but I've heard it's really expensive. How do I afford teenage car insurance?

Answer
At age 16, car insurance companies consider you a new driver. Because of your lack of experience, you are high risk for insurance companies to insure, which raises your premium extensively.
Because of the amount of risk, cheap car insurance as a teen isn’t always realistic. However, you can do a few things to lower your cost.
Great ways to afford insurance are:
  • Get good grades
  • Take a driver training course
  • Enroll in a driving behavior program
All of these options should give you a discount on a policy.
Shopping around for rates is also a viable option. Every car insurance company offers different rates and discounts. Aim to get quotes from at least three different companies to compare.
Request quotes online or use an app like Jerry. Jerry will generate competitive quotes from top providers in less than a minute. Multiple quotes will give you a good idea of your average cost of insurance.
If you still can’t afford insurance after discounts and shopping around, find a family member who’s willing to add you to their insurance. If you’re on a policy with a more experienced driver, you typically won’t see as large of a rate increase.
Emily Maracle
Answered on Oct 19, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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