Is there a way to decrease the cost of car insurance for young drivers?

My 16-year-old daughter recently got her license and I am dreading the inevitable insurance rate increase. Is there anything I can do to keep our car insurance costs low?

Answer
You’re right, the rate increase for adding a 16-year-old to your car insurance policy is inevitable, but there are actions you can take to keep your rate as low as possible.
Here are some simple ways to help lower the cost of insuring a teenage driver:
  • See if your teen qualifies for a good student discount
  • Have them complete a defensive driving course
  • Raise the collision coverage deductible, or drop the coverage altogether if it no longer needed
  • Sign them up for a driving behavior or telematics program
  • Make sure they are driving a safe car
The above discounts and actions should make the price increase to your insurance a bit more bearable, but it is also a good idea to shop around and compare. Each car insurance company offers different rates, and some may be better suited for policies that include teenage drivers. Using a comparison and shopping app like Jerry is a great way to compare free car insurance quotes from up to 50+ different insurance companies to ensure you are never overpaying. The average Jerry driver saves $879 a year on car insurance!
Jack Walsh
Answered on Oct 22, 2021
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