How to Lower Your Teen’s Car Insurance

Finally, your child is old enough to drive. This gives them more independence and as a parent, you get more free time. You don’t have to drive them or pick them up every time they need to go somewhere. However, your freedom comes with a price to pay. Your teen needs insurance before they go out on the road. Insurance coverage for younger drivers tends to be higher because they have no experience and they are considered more likely to engage in behaviours that increase the risk of accidents. So, once your teen starts driving, you can expect to pay a higher insurance bill. However, a teen’s car insurance won’t have to cost an arm and a leg if you play your cards right. Consider the following tips. 

Consider Black Box Insurance

This is basically a type of insurance where the insurance company installs a tracking device on the car to monitor your teen’s driving habits. If your teen adheres to the driving rules, you should benefit from cheaper insurance. 

In fact, you can save up to 25% if you opt to go with a cheap black box insurance policy. There are tons of companies that offer this package for young drivers. You can find a great deal by checking out different providers on the price comparison site Quotezone.co.uk. This is simply a platform that uses technology to help consumers find the best products at the most competitive price. 

Make Your Car Safer

Investing in some safety features for your car is another step you can take to reduce your premium while keeping your young driver safe. Insurers can give you a discount for this because safety features lower the risk of accidents. Examples of safety features you can consider for your car might include anti-theft devices, dashcams, rear parking sensors, crash-resistant doors and blind-spot alerts. 

Driving Tests and Defensive Driving Courses

Grow your teen’s driving skills and prove that to the insurance company by enrolling them for Pass Plus and defensive driving courses. It’s a good way to develop their skills to be better and safer drivers, and you may get a discount for that. 

Compare Policies

Don’t settle with the first package you get from an insurer. Rather, take your time to compare quotes from different service providers. Comparison helps in finding the policy that is most affordable and has the best terms. You can also try comparing price changes when you add your teen to your policy vs. when you have your teen add you to their policy.  

Other than comparison, think of bundling all your insurance policies together. You may get a better deal when you buy your car, house, life, and other covers all from one provider. Use that as a basis for your negotiation. Most companies are good at rewarding their loyal customers. 

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