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Car Insurance Quotes for Teens

A teenager beginning to drive is a stressful time for a parent. Not only do you have to worry about their safety, but you also have to worry about how to pay for a car, insurance, gas, and maintenance. With value being a huge concern for teenager drivers, this simple guide will explain the basics of how to save money when looking for quotes.

What Teens Need to Know

When buying car insurance for teenagers, it is important to understand a few standard regulations and how the age of the driver affects a policy. Teenage drivers, especially males, have generally higher rates than other demographics. Car insurance rates get lower as the driver ages but can still be affected by various discounts before the driver reaches the age of a price break. In order to save money during the first few years, it is crucial to understand how to maximize discounts and select the best policy for the new driver.

Maximize Discounts

For a teenage driver saving money is the most crucial aspect for selecting a policy. Many teenagers pay for their own insurance and car payments, as a teen, this can eat up most of any income and discourage them from obtaining an appropriate policy. Car insurance quotes from different companies can be affected by discounts that lower monthly rates and should be maximized to mitigate any financial burdens. These discounts are often available for graduates of driving school, safe drivers, and minimal drivers. In order to see which discounts are available, it is important to shop around and get multiple quotes to ensure the best option is selected.

Shop Around

Shopping around is the best way to save money when it comes to insurance policies since quotes are easy to obtain and providers are abundant online and via a quick phone call. While one provider may have a flat rate for a teenager that is higher than normal, another might have a discounted package for a teen but has fewer features. Different companies have policies specifically for certain drivers and some may even offer student driver discounts and other teenage themed plans. These are crucial in terms of saving the teen driver money every month while still offering comprehensive coverage and protecting the driver.

Plan For the Future

It is important to plan for the future when obtaining different car insurance quotes since the consumer can maximize future discounts, just by being prepared. Rates often drop for young individuals once they reach a certain age, practicing good driving methods will secure even lower rates when that time comes. If a teenager has the same insurance provider from the time they begin driving, up until the age of 25 when the price break becomes available, more discounts may be offered. Safe driver discounts become available after an accident free period of a few years and some companies may even offer loyalty discounts.