ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Getting the Most Affordable Auto Insurance for your Teenage Driver

Updated on March 12, 2011

Your teenage driver has finally got his much awaited driver’s license and has started demanding for the car that you had always promised him the moment he hits driving age. While buying the car could not be a big problem really to many parents seeing as it is that most parents would have started saving for the ‘gift’ early enough, the real headache could be lying in finding the most affordable auto insurance policy for the car, one that will not only protect and cover him, but also one that will protect you.

Rest assured insurance premium rates vary significantly from one policy to another and from one service provider to another. Even so, you still can secure a great and irresistible deal. First things first, at such a tender age, your teenage driver has very little experience in driving, so inconsequential is his driving experience that insurance companies will consider him anything but a very high risk driver. This means only one thing; they will get a very high premium rate as all other high risk drivers out there. But there are some things you can do as a parent to secure a good and affordable deal and ensure the premiums remain as down as possible.

Driver Safety – first and foremost, it is your responsibility as a parent to stress to your teenage driver the importance of maintaining driver safety on the roads. It is lack of safety and careless driving that contributes to the many unnecessary and otherwise avoidable deaths in the world every year. If for whatever reason you cannot stress this point enough, why not send your teenager to a driving school so they can learn it first hand from the pros?

Type of Vehicle – the type of vehicle your teenager drives will also affect the amount of premium rates payable. An expensively high-to-maintain sedan will attract hefty premiums than a simple every-day type of car, so make an informed decision before paying for that flashy red sports car.

Deductibles – another way you can reduce the rates of premium is by selecting a high deductible. Basically, the higher the deductible you set to pay, the lower the premium rate.

Clean Driving Record – it is your responsibility as a parent to ensure your teen’s driving license remains as clean as possible as it will have a direct effect on the cost of premiums payable. With no accidents or traffic violations, you can expect reduced premiums over time.

Discounts – another place you can experience great savings on premiums is by finding out the discounts on offer before taking up an offer. Discounts on premiums are available for such things as drivers education credits, multiple car policies, defensive driving courses, clean driving records etc, so if you could have any of this, then you could have a great bargaining power. Rest assured the competition for your business is cut throat so companies are willing to go to whatever extent in terms of discount if only they could win your business.


Submit a Comment

No comments yet.


This website uses cookies

As a user in the EEA, your approval is needed on a few things. To provide a better website experience, 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:

Show Details
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 or domains, for performance and efficiency reasons. (Privacy Policy)
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)
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.
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)