Jacob Dybala June 25, 2012 No Comments

Teen Driving Quiz to Help You Prepare

Your son or daughter is now of driving age. Is it time to panic?

While you want to be the sort of parent who celebrates this rite of passage to adulthood, you’re secretly terrified about the havoc it may play on your insurance premiums.

teen driver receiving car keys from a parentYou may be wondering how much your rates might go up (they will) and whether there are some ways to keep your premiums to a more reasonable level (there are).

Adding a teen to your insurance policy can increase your rates between 44 and 62 percent according to a recent study by insurance.com about teen driving. However, there are a number of factors that may have a real impact upon your insurance rates .

Take the Teen Driving Quiz


Typically, it’s less costly to add a new teen driver to your existing auto insurance rather than to buy him or her a new policy. (Hint: this works better if you have a good driving record yourself!).

Answer: TRUE

Enrolling your son or daughter in a defensive driving course can lower your teen’s insurance premiums.

Answer: TRUE

If you have good grades (A’s and B’s), you can get lower teen driver insurance premiums.

Answer: TRUE

Having your teen drive a vehicle with anti-lock brakes, air bags and other safety features can lower his or her insurance rates.

Answer: TRUE

If your teen goes away to college and doesn’t take a car and if that college is at least 100 miles away, you can get a price break on the insurance.

Answer: TRUE

Depending upon the state in which you live, teen insurance rates tend to go down once a two or three year clean driving record is established.

Answer: TRUE

For the lowest premiums, the best vehicle for a teen to drive is a minivan or sedan.

Answer: TRUE

Adding your son or daughter to your auto insurance policy need not lead to a nervous breakdown. With some forethought, planning, and safety measures, you can introduce your teen to the world of driving with a smile on your face, and still have money in your pocket.

At least until Junior asks for a loan to go out with his friends.


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