If you have already begun the search for auto insurance for a teenager, there is a good chance you’ve discovered how outrageous the price can be. These high prices are mostly due to the insurance companies deciding that offering insurance to the teenager will impose a very high risk to their company. Why not continue your search knowing you will find better results using Online Auto Insurance? We have already provided our assistance to many other drivers, including teenagers, and are known to save people their hard earned money.
Getting low prices for a teenager’s insurance policy will take effort on the teen’s part, so you’d better make sure they are on board with the idea. When rules and expectations have been explained, there is little room for a teen’s excuses if they forget or fall short. If they are unfamiliar with these tips on getting auto insurance for cheaper prices, there is less chance of the policyholder saving money.
1. Have the teenager help search for policies and prices.
The best way to learn about any topic is to do the research yourself, right? It’s a good argument that a teen who learns what to look for in a policy and the price will be able to find the cheapest policy offered. This skill can be used throughout their life, and they won’t need to try to understand and learn about car insurance when they go live on their own. The best way to keep a teenager’s interest is by completing a task in the shortest amount of time possible. Is it contradicting to think looking for and finding the cheapest auto insurance policy can be done quickly? When drivers use OnlineAutoInsurance.com there is no contradiction to that statement. We know how to find cheap policies fast.
Have the teenager go to our homepage and enter in their zip code in the appropriate box. A new page will open, and this page will contain a list of questions that will need to be answered. We would advise the teen to sit with the policyholder or guardian (or have them close by) to help answer the questions accurately. It’s very possible a teenager wouldn’t know the VIN of the vehicle or the year of it, and the parent or guardian can help answer these types of questions. What about a teenager who doesn’t have their license yet, but is working on their permit? These drivers can also get quotes because we don’t require drivers to enter in a driver’s license number. There are also questions about desired coverage for the policy. These terms may be new to the teenager and it would be helpful for the parent to explain what they each mean.
When all of the questions have been answered, the driver will be given a list of quotes from local companies who are willing to offer their coverage. The prices are listed in a manner so it is easy to see who is offering the lowest price. There is an option to purchase the policy right then online with a credit card, but there is no obligation to purchase a policy to get the quotes.
2. To save money, keep the teenager on the parent or guardian’s policy.
This suggestion may be already known, but whenever a new driver is added to an existing policy, that driver’s rates are cheaper than having that driver start their own policy. This is also true for adults who get married; putting the two spouses onto one policy will save them money compared to each paying for their own. For a teenager to be able to be added to an existing policy, they must live in the same house and be an immediate family member or under their guardianship. It is not always possible for a person to be added to an existing policy just because they share the same residential address. By using the quote comparison tool mentioned in suggestion 1, the parent or policyholder may want to stick with their original insurer because their insurer is willing to offer a lower rate to add the teenager to the policy if they stick with them.
3. After finding a cheap policy, get to know the insurer’s discounts and use them.
No matter which insurer you decide to use, it is very possible they offer a variety of discounts that can be used by policyholders to help them lower their rates. There are a number of them which apply to the majority of drivers, but very few that may go towards a teenager. Even if they don’t apply to your teenager, find out what they would need to do to be able to become eligible. They can work on whatever needs to be taken care of so that when the time comes for them to become eligible, they can grab that discount and already be saving (like with the good driver discount). The good student discount is another discount that every teenager should work on before they become of driving age. Just about everyone knows you can’t bring your grades up from a D to a B or A in just a week. It takes at least a semester or two to do that, so teens should be wise in their studies early on to help save on future auto insurance costs.
4. The teenager’s mode of transportation will greatly affect their coverage cost.
An insurance friendly vehicle is one that will be inexpensive to insure but at the same time provide safety to your kid. Insurance friendly has a wide meaning; it can be an older car with so little cash value that comprehension and collision is not needed, or it can be a modest car where having full coverage isn’t as expensive as full coverage on an expensive sports car or SUV. It’s also possible to purchase the bare minimum for the teen for the few times they drive your car but still expect them to take public modes of transportation such as the bus to school and work instead of giving them their own car.
Most teenagers have been looking forward to getting their license and that independence in their life. Purchasing the proper car insurance for teenagers is important so they have the coverage they need but at the same time the policyholder is saving money. Parents of teenagers count on OnlineAutoInsurance.com to help them find great ways to save money on their teen’s insurance needs.
Getting low prices for a teenager’s insurance policy will take effort on the teen’s part, so you’d better make sure they are on board with the idea. When rules and expectations have been explained, there is little room for a teen’s excuses if they forget or fall short. If they are unfamiliar with these tips on getting auto insurance for cheaper prices, there is less chance of the policyholder saving money.
1. Have the teenager help search for policies and prices.
The best way to learn about any topic is to do the research yourself, right? It’s a good argument that a teen who learns what to look for in a policy and the price will be able to find the cheapest policy offered. This skill can be used throughout their life, and they won’t need to try to understand and learn about car insurance when they go live on their own. The best way to keep a teenager’s interest is by completing a task in the shortest amount of time possible. Is it contradicting to think looking for and finding the cheapest auto insurance policy can be done quickly? When drivers use OnlineAutoInsurance.com there is no contradiction to that statement. We know how to find cheap policies fast.
Have the teenager go to our homepage and enter in their zip code in the appropriate box. A new page will open, and this page will contain a list of questions that will need to be answered. We would advise the teen to sit with the policyholder or guardian (or have them close by) to help answer the questions accurately. It’s very possible a teenager wouldn’t know the VIN of the vehicle or the year of it, and the parent or guardian can help answer these types of questions. What about a teenager who doesn’t have their license yet, but is working on their permit? These drivers can also get quotes because we don’t require drivers to enter in a driver’s license number. There are also questions about desired coverage for the policy. These terms may be new to the teenager and it would be helpful for the parent to explain what they each mean.
When all of the questions have been answered, the driver will be given a list of quotes from local companies who are willing to offer their coverage. The prices are listed in a manner so it is easy to see who is offering the lowest price. There is an option to purchase the policy right then online with a credit card, but there is no obligation to purchase a policy to get the quotes.
2. To save money, keep the teenager on the parent or guardian’s policy.
This suggestion may be already known, but whenever a new driver is added to an existing policy, that driver’s rates are cheaper than having that driver start their own policy. This is also true for adults who get married; putting the two spouses onto one policy will save them money compared to each paying for their own. For a teenager to be able to be added to an existing policy, they must live in the same house and be an immediate family member or under their guardianship. It is not always possible for a person to be added to an existing policy just because they share the same residential address. By using the quote comparison tool mentioned in suggestion 1, the parent or policyholder may want to stick with their original insurer because their insurer is willing to offer a lower rate to add the teenager to the policy if they stick with them.
3. After finding a cheap policy, get to know the insurer’s discounts and use them.
No matter which insurer you decide to use, it is very possible they offer a variety of discounts that can be used by policyholders to help them lower their rates. There are a number of them which apply to the majority of drivers, but very few that may go towards a teenager. Even if they don’t apply to your teenager, find out what they would need to do to be able to become eligible. They can work on whatever needs to be taken care of so that when the time comes for them to become eligible, they can grab that discount and already be saving (like with the good driver discount). The good student discount is another discount that every teenager should work on before they become of driving age. Just about everyone knows you can’t bring your grades up from a D to a B or A in just a week. It takes at least a semester or two to do that, so teens should be wise in their studies early on to help save on future auto insurance costs.
4. The teenager’s mode of transportation will greatly affect their coverage cost.
An insurance friendly vehicle is one that will be inexpensive to insure but at the same time provide safety to your kid. Insurance friendly has a wide meaning; it can be an older car with so little cash value that comprehension and collision is not needed, or it can be a modest car where having full coverage isn’t as expensive as full coverage on an expensive sports car or SUV. It’s also possible to purchase the bare minimum for the teen for the few times they drive your car but still expect them to take public modes of transportation such as the bus to school and work instead of giving them their own car.
Most teenagers have been looking forward to getting their license and that independence in their life. Purchasing the proper car insurance for teenagers is important so they have the coverage they need but at the same time the policyholder is saving money. Parents of teenagers count on OnlineAutoInsurance.com to help them find great ways to save money on their teen’s insurance needs.
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