Get Car Insurance for Young Drivers Online

If you’re the parent of a teen driver, you’re probably wondering how to keep your teen protected even when you’re not with them. But protecting your teen driver is easier than you think. By getting auto insurance for your teen, you’ll know that they won’t be alone in case of an issue on the road. We do all the hard work by putting together quotes for car insurance in your local area so that you can pick the best option. 

It’s easy to get an online quote for young driver insurance with Freeway Insurance. Our agents are skilled at helping you find an affordable and safe way to get your young adult insured.

For any new teenage driver, getting a driver’s license and a car is the most exciting thing in the world. It also means new responsibilities. Not just in terms of traffic laws, auto maintenance, and keeping gas in the tank, but also financial responsibility, even when the unexpected happens.

But coverage for young drivers is the last thing your teenager is likely to think about when they drive off. That’s why it’s important to talk to them, not just about driving safely but about understanding the financial impacts of accidents and how insurance helps protect them as well as the whole family.

It’s no secret that teenage drivers pose a higher risk. The main reason is that teens are less experienced at driving, tend to be distracted more easily, and are more likely to underestimate the risk of driving recklessly or too fast. But that doesn’t mean that new drivers are impossible to insure. By choosing the right coverage for teens, you can protect your teen on the road while saving money in the long run.

The best coverage for college students depends on a few factors, such as whether they’re driving their own car (they’ll need their own liability insurance policy for that) or if they can stay on their parents’ policy. For the most part, it’s always more expensive when you are younger. And many students traditionally enter college when they are 18.  

Every company offers discounts on auto policies and some are available to college students.

Types Of Insurance Available For Teens

Let’s take a look at the most common types of insurance for young adults and why they’re good to have.

Choosing Liability Insurance for Teen Drivers

Just like any other driver, newbies on the road need to make sure that they’re covered by the minimum liability insurance required by law. Specific requirements for liability insurance vary from state to state, but most states dictate minimum coverage for:

• Bodily injury liability, which covers the medical costs of other motorists and passengers if your teen is at fault for an accident
• Property damage liability, which covers the repair costs of the other driver’s car if your teen is at fault for a car accident

Collision Insurance Is Always a Good Option

While liability coverage takes care of medical bills or property damage, this type of protection covers the damage made to your own vehicle, be it with another car or an inanimate object like a wall. This is ideal for additional protection to your current plan.

It’s definitely a good idea to include it if the cash value of your car is more than your premium. It can give you peace of mind to drive and know that your vehicle is protected.

Consider Comprehensive Insurance

While this is not required by the state, normally it’s the lender that requests this type of auto insurance. It protects your automobile in circumstances that differ from a car crash. What do we mean? For example, natural disasters like storms or simpler but not less stressful falling objects or theft.

Remember to check what’s included on your contract. This way you can take care of your car better and not be surprised when something goes wrong. Your neighborhood’s old tree finally gave up and fell on your car? No problem!

Get Full Coverage

A full coverage policy normally combines the last three mentioned to give you stronger protection: liability, comprehensive and collision insurance. Of course, you can add even more, like uninsured driver insurance. 

This is definitely a more robust option to protect first-time drivers. Cost will depend on many factors, so make sure to get the additional information you need from a FreeWay Insurance agent.

Is Roadside Assistance a Good Solution for Young Drivers?

Cars break down all the time and it’s even more likely with younger drivers. Less experienced motorists are more likely to forget to do routine maintenance like oil changes and are less likely to notice signs and sounds that something’s wrong with their car. With a roadside assistance plan, you and your teen can have the peace of mind that they’ll never be stranded anywhere, whether they have a dead battery, an empty fuel tank, a flat tire, or smoke coming from under the hood. Help is always just a phone call away. 

How Are Their Rates Calculated?

Car insurance rates for teens and young people work very similarly to factors used for all people. Among them we can include age, since those 25 years old or younger usually pay more because of their lack of experience on the road. They are also not as financially stable.

Picking the adequate vehicle for a first time driver is also important. It’s cheaper to insure an older family vehicle than a new luxury car, right? Same goes for location. If your teen lives in a high risk area or ZIP code, whether accidents or crime, it can result in higher rates. In states like Illinois, urban areas and higher traffic density can increase risk levels, which often leads to higher premiums for young drivers.

Insurance Discounts for Young Drivers

Fortunately, you can apply for different insurance discounts to help you: 

Student Discounts

Get those grades up! That’s right, you can save money if you have good grades and the required attendance in both high school and college (depending on your insurer). If your young driver is a full-time student, they can apply for this discount. Just be sure to meet all requirements, like minimum credits, GPA and attendance.

Safe Driving Courses

Many car insurance companies offer driver training and safety programs that you can enroll in. Besides refreshing your memory on safety tips and best practices, you can get an additional discount on your premium. Can’t hurt!

Take a look at some discounts you can have to save on your teen driver insurance:

Tips To Save More On Insurance Quotes For Young Drivers

In addition to the above discounts, there are more easy ways to save: 

• Joint policies: If you have other insurance, like other cars, home or rental, check with your insurance provider if they have options to add him or her to the family policy. They could offer a lower price in order to keep your business with them.
• Choose the right car: As mentioned earlier, it’s better to have a first time driver to learn on an easier to insure vehicle than a brand new one. It’s cheaper to repair and replace.
• Explore deductibles: Ask your auto insurer about available deductibles. While it’s tempting to get a lower because it seems like less money upfront, remember that it affects the amount of your coverage.
• Keep your good record: Accidents happen, we know that. But avoiding being reckless and having no accidents on records can be a great help towards lowering your rates. Same thing applies to traffic tickets.
• Be consistent on payments: Your credit score can also help you get better prices. Don’t forget to pay on time so it doesn’t reflect badly on your credit score.

Don’t Forget The Basics

We might take these recommendations for granted sometimes, but it’s important to always have them present while driving, especially when you don’t have much experience yet. Talk and set some ground rules:

• Always wear seatbelts
• No speeding
• No texting and driving. Smartphone down!
• Definitely no drinking and driving (unless you want a DUI on your hands, or worse)
• Establish driving area limits, like avoiding highways
• Agree on the passenger limit
• Eyes always no the road