We love them with all our hearts, but the fact of the matter is, insurance carriers just don’t trust them. . . yet. Adding a teen driver to your policy is most likely going to significantly increase your rate. They are newer drivers, and therefore they carry more risk. Here are some tips on how to counter the increase and save a little money on your policy.

  1. Safe Driver Courses: Having your teen attend and complete a safe driver course will help show your insurer that they are committed to safe driving and actively pursuing ways to lower their risk as a new driver. Not only will this lower your premium, it will help instill safe habits in your teens’ minds that may save their lives and earn them a few rewards with their insurance providers in the long run!

  2. Code of Conduct discounts: Check to see if your provider offers discounts for good grades or exceptional students. Most providers consider academic excellent as a sign of responsibility and will reward it.

  3. Raising your deductible: This will help lower your premium, but proceed with caution. Statistics show that teens are at a higher risk for accidents. Don’t make any hasty decisions; you may end up paying for them later, literally.

  4. Waiting: Your teen may not like this solution, but if they won’t have their own car right away anyway, and will have little opportunity to drive, you may want to consider just waiting. Providers often reward drivers who choose to mature an additional year before getting their drivers license.

  5. Sharing: By sharing a family vehicle, providers interpret that as minimizing a new driver’s opportunity to drive, therefore, minimizing their risk.

  6. Bigger is not always better: If you or your new driver is purchasing their own vehicle, be sure to carefully consider what type of car you are purchasing. Flashy sports cars may set off red flags faster than reasonable economy cars will.


More often than we would like, people skimp on their coverage in order to save a few dollars every month. Accidents are called accidents because they are unintentional and unplanned. No one can predict the timing or severity of a catastrophe. Don’t put your financial security at risk just to knock 10 bucks off your monthly payments. In the insurance world, buyer’s remorse NEVER outweighs the alternative: being uncovered.

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