{"id":1874,"date":"2017-01-10T00:00:00","date_gmt":"2017-01-10T00:00:00","guid":{"rendered":"https:\/\/www.awjlaw.com\/2017\/01\/10\/costs-to-insure-a-teen-driver-are-staggering\/"},"modified":"2024-08-29T21:12:10","modified_gmt":"2024-08-29T21:12:10","slug":"costs-to-insure-a-teen-driver-are-staggering","status":"publish","type":"post","link":"https:\/\/www.awjlaw.com\/blog\/costs-to-insure-a-teen-driver-are-staggering\/","title":{"rendered":"Costs to Insure a Teen Driver Are Staggering"},"content":{"rendered":"<p>It\u2019s inevitable \u2013 eventually, your child is going to turn into a teenager. And when 16 arrives, they\u2019re probably going to want their driver\u2019s license. It may be refreshing to be relieved of constant pick-ups and drop-offs, but it also means adding them to your <a href=\"https:\/\/www.awjlaw.com\/faqs\/\">auto insurance policy<\/a>.<\/p>\n<p>A married couple\u2019s insurance rate is said to increase an average of 79% with the addition of a teen driver. Teenage boys are more expensive than girls to insure, boosting rates 92% on average. Girls raise rates an average of 67%. These rates may seem high, but they are lower than in past years. In 2013, the average insurance rate boost was 85% for teen additions.<\/p>\n<p>Here are a few tips provided by insurance companies that may assist in cutting costs of adding your teen driver to a policy:<\/p>\n<ul>\n<li><strong>Make sure your child completes a driver training program.<\/strong> Many insurance companies provide discounts for teens who have completed certain programs. Every company differs, though, so do your research well in advance so that your child has time to complete training before their birthday.<\/li>\n<li><strong>Encourage good grades.<\/strong> Some insurance companies offer up to 15% in discounts for full-time students maintaining a B average. College students on the dean\u2019s list or comparable honor may also qualify for discounts.<\/li>\n<li><strong>Teens shouldn\u2019t drive high performance vehicles.<\/strong> The type of automobile your teen drives can affect policy rates greatly. Dangerous or fast sports cars will cost more than your typical four-door sedan to insure.<\/li>\n<li><strong>Research multiple insurance companies and policies.<\/strong> Just because you\u2019ve been using a company for a few years doesn\u2019t mean that company will offer the best rates and policies. The more thorough your search, the more likely you\u2019ll pay the best rate for the best policy.<\/li>\n<li><strong>Take another look at your deductible amounts.<\/strong> If you can afford to increase your comprehensive or collision deductibles, the policy rate will likely drop. Even a change from $200 to $500 can make a significant difference.<\/li>\n<li><strong>Safety first.<\/strong> The most full-proof way to cut auto insurance costs while insuring a teenager is to teach them the importance of roadway safety. No teen should be allowed to drive anywhere at any time as soon as they gain their license. Experience makes good drivers \u2013 and young drivers have very little experience. So gradually allow your teen more responsibility as you continue training them and showing them the best ways to navigate local roadways. Insurance premiums are affected by driving behavior and can be lowered with good driving habits over time.<\/li>\n<\/ul>\n<p>A step that many parent take, but that we advise against, is lowering policy coverage amounts to save money when a teen begins driving. Your insurance coverage exists to protect yourself, your family, and your belongings in the event of an accident. Chances are high that your teen will be involved in an accident of some sort \u2013 even if it\u2019s just a minor fender bender. Having sufficient insurance coverage allows you to breathe easy and focus on bettering your teen\u2019s driving, instead of constantly worrying about what might happen if an accident were to occur.<\/p>\n<p>The lawyers at Jones &amp; Swanson have extensive experience with auto insurance policies following an accident, so they\u2019re able to provide recommendations for your individual situation.<\/p>\n<p style=\"text-align: center\"><strong>For more information about auto insurance policies, and even to <a href=\"https:\/\/www.awjlaw.com\/contact-us\/\">schedule a time<\/a> for an auto accident attorney to review your auto insurance coverage for gaps, call <em>770-427-5498<\/em>. <\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>It is a well-known fact that auto insurance rates rise with the addition of high-risk individuals.  Teenage drivers are considered some of the most high-risk drivers on roadways, so here are a few tips to lowering your insurance rates if you have a teen driver.<\/p>\n","protected":false},"author":2,"featured_media":1875,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[16,75,39],"tags":[],"class_list":{"0":"post-1874","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-auto-insurance","8":"category-faq","9":"category-insurance-claims","10":"entry"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Costs to Insure a Teen Driver Are Staggering | Jones &amp; Swanson<\/title>\n<meta name=\"description\" content=\"Costs to Insure a Teen Driver Are Staggering: Jones &amp; Swanson, with 45+ years of experience and millions recovered. 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