How to Buy Car Insurance for Teenagers

You need to know how to buy car insurance for teenagers before the teen gets his license. It is important that you find the best insurance for an affordable premium. You can put the teenager on a parent's insurance policy and save even more money. Individual insurance for a teenager might cost higher than what they can afford. It does pay to shop around when looking for car insurance for a teenager; here's how.

Difficulty: Moderately Easy

Instructions

1. Check the grade point average (GPA) of the teenager before contacting any insurance companies. A good grade point average can be used to get a discount on the insurance because it shows character and responsibility.

2. Contact a few insurance companies to see what they require from the teenager in order to offer discounts on insurance. Some insurance companies offer discounts for teenagers that take a driver's education program and pass with a high score.

3. Suggest putting the teenager on a parent's insurance. This may offer a discount for multiple drivers and/or vehicles. This discount can also apply to multiple policies with one insurance company.

4. Check with insurance companies to see if there is a discount for teenagers that work. This is another way to lower the premiums for a teen driver. Also, check to see if there is a discount for so many miles driven in a week or a day.

5. Select the best insurance after finding an insurance company that gives discounts for the majority of the above listed. This will help lower the cost of insurance for a teenager who has his or her driver's license.

Tips & Warnings

• You might not find the best insurance with your current provider.
• Be open to change if you can get better insurance that also covers the teenager.
• Always ask about discounts.