An exciting time in anyone’s life will come when they turn the age that will allow them to start driving a car. Depending on the state that you live in, you can be legally permitted to drive a car well before turning 18 years old. While you are still technically a minor, you are taking on a major responsibility. An important part of driving a vehicle includes getting the right insurance for it. While young drivers can find that getting insurance is more challenging than it is for adults with good driving records.
For those wondering can minors get car insurance, there are various tips and steps that can be followed that will help a teen get into a quality insurance plan.
1. Be Added to Parent’s Plan
One of the most effective ways that a minor can get a quality auto insurance plan is by being added to their parent’s plan. If a child’s parents have an existing auto insurance relationship and plan, they can add the child as an additional driver to the policy. Additionally, if the child gets its own car upon obtaining a license, the car can be added to the policy as well. Generally, the teen will need to be named as the primary driver for the additional vehicle added.
2. Focus on Improving Application
One of the concerns that can come with adding a teen to an auto insurance plan is that the young driver will pose an additional risk to the auto insurance provider. As teenagers are not experienced, they are more likely to be involved in accidents or commit moving violations. Due to this, it is very common for auto insurance providers to charge higher premiums.
While teen drivers should expect higher premiums, there are ways that they can get these rates lowered. Many insurance providers will offer discounts to students with good grades or are willing to limit their mileage driven each year. It is important to check with your auto insurance provider to see what types of discounts are available to help offset the sizable premium payments.
3. Be a Good Driver
While it is important to look for ways to reduce your premiums, teens who are looking to save money on insurance will get the best investment return simply by being a good driver. If a teen driver can avoid accidents and moving violations, they can slowly start to see their auto insurance premium rates come down. Getting a safe and reliable used car with proper safety features will not only help with this, but can keep the driver and any passengers safe. Further, staying on top of premium payments, keeping your grades high, and avoiding other types of trouble will also make you appear like a lower risk to insurance companies.
Getting a driver’s license can be a very exciting time for a teenager. While they may be dreaming of hitting the open road and the additional freedom that having a car provides, teen drivers need to ensure they are responsible and properly insured. By following these tips, a teen driver can get into a quality insurance plan that will offer adequate protection.
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