ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Cheap Auto Insurance for New Drivers

Updated on January 20, 2010

Why is Auto Insurance for teenage new drivers so high?

 

Auto insurance premiums for new drivers like teenage drivers and drivers with no driving record are usually very expensive. This is because, statistically, they get into accidents six times more than others according to the Insurance Institute for Highway Safety (http://www.iihs.org). In other words, 6% of this driver population cause about 13% of all total acidents. So, the chances of claims from these drivers are very high that the insurance companies charge more for their coverage. Diferent insurance companies treat young and new drivers differently and there are all kinds of discounts available if you ask. Some well known auto insurance companies are beginning to offer significant discounts for young drivers and their family. So, it pays to shop around to get the cheapest and best car insurance.

Auto insurance for new drivers
Auto insurance for new drivers

Tips to get cheap auto insurance for young and new drivers

1. Call many car insurance companies to get rates for your new driver as premiums vary significantly between insurance companies for the same coverage.

All State Teen insurance

State farm teen insurance

AAA teen insurance

2. Find out about all kinds of discounts that are available and your driver may be eligible for many of them. I have listed some popular discounts below that you should ask your dealer about.

3. Sports cars, flashy cars, fast cars have higher insurance premiums. So, if you want to reduce your insurance premium, choose a safe inexpensive car.

4. Good students discount. There usually is a 10% discount for teens with good grades (GPA of 3.0 or higher).

5. Encorage new drivers to enroll in driver safety and driver education courses.

6. If the driver gets a traffic violation, encourage the driver to take a safety course in a traffic school to reduce the points.

7. Take online safety course. For example, Nationwide auto insurance launched a program recently called "SmartRide" that offers teenage drivers a discount of additional 5% on their insurance premium.

8. Do not forget to get quotes from online auto insurance providers like esurance teen program

progressive teen insurance program

insurance.com

Insweb Teen insurance

geico teen insurance, etc.

.

Auto Insurance for teens more info:

 

Auto Insurance for new drivers
Auto Insurance for new drivers

Some new auto insurance programs:

Safeco (http://www.teensurance.com/) has a "Teensurance" insurance scheme for young drivers, which offers a 15% discount for young drivers who pay a monthly fee of $15 for a satellite-tracking system that tracks all the movements of young drivers.

State farm auto insurance (http://www.statefarm.com/learning/be_safe/road/teen.asp) has a "Steer Clear" program that offers 15% discount to young drivers who keep a continuous log of their driving habits.

American Family Mutual (http://www.teensafedriver.com/index.htm) has a "Teen Safe Driver" program that uses a "DriveCam" which gives the parents and the company a live video feed of the driver in vehicle.

Additional tips for buying cheap auto insurance:

1. Maintain a clean driving record. Teach responsibility. Educate your teens about the laws and how insurance works and why premiums get higher.

2. If you want to keep your insurance premiums low, educate your teens to Drive safe. No alcohol or drugs during driving. No speeding tickets. Do not be a reckless driver.

3. Ride with your new driver and point out any mistakes they make in a polite way. Do not forget to give compliments if they are being a good driver.

Educational video on buying auto insurance for new teen drivers

Car insurance helps financially
Car insurance helps financially

Comments

    0 of 8192 characters used
    Post Comment

    No comments yet.

    working

    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, hubpages.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: https://hubpages.com/privacy-policy#gdpr

    Show Details
    Necessary
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
    Features
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Marketing
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Statistics
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)