Car Insurance Quotes

If you have teenagers at home, you will probably find that once they are able to drive they will want to be getting on the road as soon as possible. The problem, however, is that when you search for car insurance quotes, you are likely to find the costs very high to insure these younger drivers - probably more expensive than any other member of the family. By following these tips you may be able to find cheaper car insurance quotes for your teenage drivers.

The first point to consider is, whether they will be driving the family car, or whether they will be purchasing their own vehicle. You will find that if you add them as an additional, part-time driver to your existing policy on your family car, then you will straight away be saving a bit of money.

If your teenager will be purchasing their own car, it could well be worth looking into the possibility of adding this car, and the driver, to your existing policy. The reason for this is that companies usually offer a discount if you are insuring more than one car on your policy. However, it is not always cheaper - sometimes the companies calculate their car insurance quotes by pairing the vehicles together. This means that even though the higher risk driver (the teenager) will not be driving the more expensive car (yours) you will still end up paying a higher rate, as this is factored in to the equation.

Instead of adding the younger driver to your policy, a third option is to get separate car insurance quotes for your teenager. The best way of getting a good quote is to compare the many different insurance policies on offer, from a wide variety of companies. Some companies specialize in insuring high-risk drivers, and can offer your cheaper rates. If you find out how much it will cost for a teenager to have their own policy, then you can compare it to the cost of adding them to your insurance. This is the only way to be aware of what savings you could be making one way or another.

When getting car insurance quotes for teenagers; bear in mind that certain companies also offer discounts for a variety of reasons. An example is that if your teenager has good high school grades (over a certain point average) then they may be eligible for a reduction. The same applies if they drive an older car - as this may mean an opportunity to drop the collision insurance from the payments. The reason why you would take off the collision insurance is that the value of the car may be so low as to not make them worthwhile. If your teenager can stay accident-free then the policy will also reduce as time goes by.

When searching for car insurance quotes for your teenager, take your time and do your research. Compare deals online, and make phone calls to see if you can get further reductions. Whichever policy you end up choosing, make sure that you have enough liability insurance to cover any potential problems.