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According to FARS (Fatality Analysis Reporting System), males cause twice as many accidents as their female counterparts. So much for all those women driver jokes!
The news isn’t all bad, however. Although you will pay higher costs, there are ways for you to save money.
Enter your zip into the free tool on this page to get free car insurance quotes for your teenage boy!
The Best Car for a 16 Year Old Boy
The first thing that you need to consider when you have a teen driver is the vehicle that they are going to drive. If you have a newer vehicle that must be financed, then adding your teen son to your insurance is going to cause your rates to skyrocket.
The higher the value of the vehicle the more expensive the insurance is going to be on that vehicle, especially if you add a teen to your policy.
Consider purchasing a vehicle for your teen that doesn’t require financing. Instead, choose a later model vehicle that still has modern safety features santi-lockti lock breaks, air bags, and possibly an alarm.
If you purchase a vehicle that doesn’t have a lot of value then the insurance is going to be lower. A car with safety features will qualify for more discounts, thus reducing the overall insurance costs.
In addition, there are certain types of vehicles that insurance companies consider to be a higher risk for teen drivers, such as SUVs. The risk of having an SUV overturn is higher than on other vehicle types because SUVs are so big and heavy.
However, vehicles that are too small are just as risky because the risk of death is higher in a serious auto accident. You should consider vehicles that are medium in size, have four doors and have a smaller engine.
An insurance company will take all of these things into consideration when writing an insurance policy for a teen driver.
Safety Features for Teen Drivers
Not only is a driver’s education course an excellent way for your child to learn how to drive, but many insurance companies offer discounts for teen drivers that take driver’s ed.
Most high schools offer driver’s education courses for credit, which means that you don’t have to pay for it and it counts as part of their education.
These classes have a tendency to fill up fast so enrolling your teen when they get their learner’s permit is a good idea. Of course, if your child can’t get into a class at school then you have the option of paying for driving lessons.
These lessons can range in price from $150 to $500 depending on where you live, how long the course lasts, and whether you choose in classroom only or both classroom and actual driving courses.
Make sure that the course is certified by your state, or it will be a waste of money.
Some insurance companies will offer discounts if your teen driver keeps a learner’s permit longer to get more driving experience with an adult present.
Many states are requiring that teens log a certain amount of hours driving before they can get their regular driver’s license.
These logs have helped to reduce the amount of teen-related auto accidents because teen drivers have more driving time, which means more experience driving.
Teach your kids about driving safety by example.
If you have bad driving habits, break them and then demonstrate your commitment to safety by driving the same way you want your teen to drive.
Extra Discounts and Lower Prices
Every insurance company offers some sort of discounts to their drivers, but they don’t all offer the same discounts. When shopping for auto insurance, choose a company that offers more discounts that apply to your situation.
If you are buying a vehicle for your teen to drive then choose a company that offers discounts for having multiple policies with them.
Many insurance companies offer discounts to students with a good GPA. You may want to consider making good grades a necessity before allowing your teen to drive.
In addition to shopping around for discounts, you also want to shop around for lower prices. This means that you will want to get quotes from more than one company.
Finding the Cheapest Teenage Boy Car Insurance Quotes
Using a quote tool eliminates the need to visit multiple sites to get the quotes you need. Getting quotes from multiple companies is easy with our free quote tool, and our tool allows you to see quotes side by side.
What’s more, you can get the information that you need to make an informed choice about your auto insurance without having to spend 10 to 15 minutes filling out forms on each site.
Using our quote tool also takes the guesswork out of determining what insurance companies sell insurance in your state. It’s pretty frustrating to visit an insurance website only to learn that the insurance company doesn’t even offer insurance in your state.
When you enter your zip code in our quote tool, you get results for companies that are licensed to sell auto insurance in your state.
The decision is easy and so is the process with our quote tool. Just enter your zip code below to find the most competitive car insurance rates for your teenage son today!