Where can I find the cheapest insurance rate for my 17-year-old?

My 17-year-old son just started driving, and he needs insurance. Where can I get the cheapest rates in California?

Answer
“Finding cheap insurance for a teenager isn’t always easy, and some policies are better than others. There are definitely ways to get discounts on insurance, though!
If your son excels in the classroom, he may be eligible for a discount. Proof of a grade point average of 3.0 or above can often lower your child’s insurance rates. But insurers will likely require proof every policy period—a transcript, for example—so make sure he keeps up the good work!
Some policies will offer a driver training discount if your teen takes a class about highway safety and defensive driving practices. This discount isn’t offered for every policy, though, so be sure to check with your insurer first.
Driver training classes will also help to prevent distracted driving, reckless driving, and other dangerous behaviors that could lead to accidents or tickets. And keeping a clean driving record will prevent insurance premiums from going up.
Here are a few more money-saving options to look into:
  • Student away discount: If your child goes away to college more than 100 miles from home, he may be set to an away status that will lower your premium.
  • Telematics discount: This discount will usually be calculated via an app on your phone and is based on your driving score.
  • Fraternity affiliation discounts: Some insurers will offer discounts for students who are affiliated with specific fraternities or sororities.
  • Driver assignment: Having your child drive the cheapest car on your policy will save you money. Pick the car that has liability-only coverage if possible.
Most of all, unless your son has scored a high-paying job, it’s a good idea to add him to your family policy, as getting his own will be far more expensive.
If you’re not sure which policy is best or if you’re thinking about switching insurers, Jerry can be really helpful. A licensed broker that offers end-to-end support, the free Jerry app gathers affordable quotes, can assist in switching plans, and will even help cancel your old policy for you.”
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Liz Jenson
Answered on Sep 21, 2021
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