Before your newly permitted or licensed teen gets behind the wheel of their car make sure they have car insurance. Teen driving insurance in Connecticut is necessary and practical. Insurance is an expense, but there are tips to follow to help keep the price down without sacrificing coverage.
Insurance Needs for a Driver’s Permit
When your teenager secures their driver’s permit get in touch with your insurance agent to confirm whether or not they need a policy. Typically, permitted drivers are covered by the policy already in place on the vehicle they are driving. For instance, if your teen practices driving using your car with you present, they would be covered by your policy. Double check to make sure, so everything is set and everyone has the proper coverage.
Many insurance companies offer a discount to teens who have completed driver’s ed. Some insurers even offer their own advanced driving training program that may provide an additional discount, so ask. This extra training provides experience and instills responsibility while also saving money.
Choose the Right Car
Insurance premiums are based on the type and age of the car. Finding the right car takes work. Ideally, you want something new enough to be safe and dependable, but old enough to lock in a lower insurance rate. Sports cars and SUVs are often quoted higher rates, so a sedan is usually the best bet in terms of paying an affordable rate. This may not align with what your teen had in mind, but explain why this is the responsible decision.
Consider the Safety Features of a Car
Built-in safety features will give you peace of mind, but can also lower teen driving insurance in Connecticut. Cars with anti-lock brakes, daytime running lights, electronic stability control and automatic seatbelts may secure a lower insurance rate. Frontal airbags are required by law, and side airbags are now standard on most vehicles. Cars equipped with additional airbags, like rear window curtain airbags or inflatable seatbelts, may qualify for additional safety discounts.
Starting a new policy is often expensive. Adding your teen driver to your existing policy will typically be cheaper since it shows you are responsible for your teen. You may secure an additional discount by having multiple car insurance policies.
Talk to Your Agent
Check with your agent to see if there are any other discounts to be had for your child’s policy. Good student discounts may be an option to keep the cost down, and possibly incentivize your child to keep their grades up.
Secure the Best Price for Teen Driving Insurance in Connecticut
Make sure your teen is prepared for the road ahead as they take off on new adventures. Proper training and the right car are just some of the ways to get the best price possible for your teenager’s car insurance.
If you have teenagers in your homecoming to drivers age and would like to discuss Driving Insurance Options.