Tips for Young Drivers and Their Parents

Last updated: October 7, 2015

Tips for Drivers Younger Than 25

  • Consider the cost of insurance in your financial calculations when buying your first vehicle:

    • Insurance rates vary with the type and model of vehicle.

    • For example, SUVs and performance vehicles typically cost more to insure than other vehicles.

  • If you have a low net worth, don’t go overboard when purchasing liability coverage.

  • If you purchase a used car, consider dropping the collision coverage as a way to cut expenses.

    • The cost of collision coverage can exceed the value of an older car.

  • A higher deductible will lower your premiums.

  • Maintain a good driving record.  

    • Don’t get tickets, get into accidents, or drive under the influence (DUI).

Tips for Parents of Young Drivers

  • List your child as an occasional operator.

    • If your teenager doesn’t own a car —meaning the title isn’t in his or her name — and has had no moving traffic violations and/or chargeable accidents, ask to have your teen rated on your family’s personal auto insurance policy as an occasional operator.

  • Check for discounts available through your insurance company.

    • You may be able to get a discount for having multiple vehicles insured by one company.

  • You can save money by making sure your teen’s name is assigned to the right car.

    • Sometimes teenage drivers are assigned to the most expensive car in the household. Switching to a less expensive car saves.

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