Having teenage drivers in the house can be nerve-wracking on many levels, not to mention pricey, but this doesn’t have to be the case when it comes to ensuring the right auto insurance covers them.
If you’re in Pismo Beach, CA, we at Neff & Associates Insurance Services Inc can help you settle on the right plan for you. Here’s a look at what to consider as you start your journey.
The reason it’s often so expensive to insure teen drivers is because they’re considered much more likely to drive carelessly, get into accidents due to inexperience, and so forth. That said, how seriously your teen takes the responsibility of driving in the first place greatly counts.
Conscientious teens with good attendance records, high GPAs, and excellent academic records are often eligible for significantly better insurance rates. This is the case for teens still in high school and those who have already started college.
Vehicle of Choice
What make and model vehicle your teen will be behind the wheel of makes a difference in your insurance rates, as well. Newer cars, muscle vehicles, and luxury models will be the hardest on your pocketbook. Used cars in good condition and vehicles with many safety features will be the easiest.
You may also consider whether it makes more sense for your household to add your teen to your existing auto insurance policy or take out an entirely separate policy strictly for them.
If you’re in Pismo Beach, CA, or the surrounding areas, we at Neff & Associates Insurance Services Inc can help you review your situation and settle on the best policies for you and your family. Contact us today to discuss your options!