There is no doubt that teen car insurance is expensive, but there are ways to help cut that cost.

Teen car insurance is the furthest thing from a new driver’s mind, but it’s at the forefront of their parent’s mind.

Why?

Because of the huge impact that it has to the family’s insurance premium. Young drivers are the most expensive group of drivers to insure, without question. But don’t worry parents, there are ways to keep the cost of insuring your teen driver down.

Hold Off Getting License

The primary way of helping to keep your teen car insurance cost down is by not having any cost at all. You can do this by suggesting that your teen not get their license yet or having them keep their permit for a longer period of time.

While these ideas are most likely not going to go over well with your teen driver, remember, you are the parent. In the end, it is you and not your teen who has the say as to when they get their driver’s license while they are under 18. In most cases, it will also be you that will be paying the extra insurance costs, so keep that in mind when they are trying to convince you that they can’t go on living without having a driver’s license.

Stay on Parent’s Car Insurance Policy

Teen car insurance is cheaper when it is included on the parent’s car insurance policy than if the teen were to be insured alone on their own policy. Per insurancequotes.com, teen car insurance is 20% more expensive when the teen driver is insured alone.

Being able to keep your teen on your car insurance policy while they are under 18 is a given, but once they are an adult, it gets a little trickier. If they are still living with you or away at school, you can keep them on your car insurance policy. However, once they move out on their own you will need to talk to your insurance company or agent as to whether or not you can keep them on your policy.

Make Teen Drivers Pay Their Part

One of the ways you can start preparing your teen for living out on their own is to teach them the financial responsibility of paying for their own insurance. No, they aren’t going to like this idea but it is best that they learn now that if they can’t afford to pay for their car insurance that they can’t drive.

For more ways to save on teen car insurance, contact your insurance agent or insurance company.

Finding ways to save money with Travelers car insurance discounts.

Travelers car insurance discounts are all over the board.  There is just about something for everyone with them, so you should be able to find a discount that fits you and your vehicle.

Travelers Vehicle Discounts

• Hybrid/Electric Vehicle Discount: Discounts of up to 10% for having a hybrid or electric vehicle.
• New Car Discount: Discounts of up to 10% for vehicles that are less than 3 years old.
• Multi-Car Discount: Discounts of up to 8% for having more than one vehicle insured on your policy.

Travelers Drivers Discounts

• Safe Driver Discount: Discounts of up to 23% off our premium if you have no accidents, violations or major comprehensive claims.
• Good Student Discount: Discounts of up to 8% for strudent drivers with good grades.
• Driver Training Discount: Discounts of up to 8% if your young driver has completed their driver training course.
• Student Away At School: Discounts of up to 7% if you have a child away at school.

Travelers Policy Discounts

• Continuous Insurance: Discounts of up to 15% for customers who have no gap in their car insurance coverage.
• Multi-Policy Discount: Discounts of up to 13%when you also insure your home or other insurance needs with Travelers.
• Early Quote Discount: Discounts of up to 10% for shopping for your insurance coverage before your current insurance expires.
• Payment Discounts: Receive discounts on your end premium depending on the payment plan you choose.

Travelers Special Discounts

• Home Ownership Discount: Discounts of up to 5% if you own your home or condo, even if you have it insured with another company.

Please note though, that because we are not Travelers we cannot guarantee that these discounts will still be offered at the time that you have your policy.  For the current Travelers car insurance discounts that are offered by the company, contact your Travelers insurance agent or enter your zip code at the top of the screen for a personalized quote.

Finding ways to save money with The Hartford  car insurance discounts.

The Hartford car insurance discounts are plentiful for good drivers and safe cars. If you are a driver that believes in both of these, this may be the perfect insurance company for you.

The Hartford Vehicle Discounts

• Anti-Theft Discount: Get a discount on your comprehensive coverage for having an anti-theft device on your vehicle.
• Air Bag Discount: Having air bags in your vehicle will get you a discount on your premium, and multiple air bags will get you an even bigger discount.
• Vehicle Fuel Type Discount: If you have a hybrid or an electric vehicle you can get this discount on your policy.

The Hartford Drivers Discounts

• Defensive Driver Discount: A discount that lasts 3 years after you complete an approved defensive driver course.
• Driver Training Discount: For drivers under 21 that complete an approved training course you can receive up to a 10% discount on your premium.
• Good Student Discount: Drivers between the ages of 16 to 25 can receive up to a 15% credit on their premium for achieving one of the following (source: The Hartford website):

1. Is in the upper 20% of his/her class scholastically
2. Maintains a B average or its equivalent
3. Maintains at least a 3.0 grade point average (out of 4.0)
4. Made the Dean’s List, Honor Roll or comparable list
5. Proof of eligibility† (such as a report card) must be presented on the policy anniversary to show that the student met the requirements during the immediately preceding school semester.

 The Hartford Policy Discounts

• Bundle Discount: Insure both your home and auto with The Hartford and receive a discount on both policies.

Please note though, that because we are not The Hartford  we cannot guarantee that these discounts will still be offered at the time that you have your policy.  For the current The Hartford  car insurance discounts that are offered by the company, contact your The Hartford insurance agent or enter your zip code at the top of the screen for a personalized quote.

Finding ways to save money with SAFECO car insurance discounts.

SAFECO car insurance discounts look to be pretty basic, with really no special discounts. The only discounts that may be a little different is the discounts for the teen drivers.

SAFECO Vehicle Discounts

• Anti-Theft Discount: Get a discount on your premium when your car has with an audible alarm or a disabling device that renders the fuel, ignition or starting system inoperative. If your car has either a LoJack® or Teletrac® system and is stolen, we’ll waive your comprehensive deductible while the service is activated.
• Anti-Lock Brakes Discount: Discounts on the premum of vehicles that has a factory installed four wheel anti-lock braking system (ABS).

SAFECO Drivers Discounts

• SAFECO Safety Rewards: rewards, benefits and discounts for safe drivers wth a clean driving record, drive a vehicle that is safe or take an accident prevention course.
• Accident Prevention Course: drivers who are 55 and older can received a 3-year discount for successfully completing an approved accident prevention course.
• Teen Safety Rewards: Discounts available for teen drivers as well as help for parents to manage the cost of adding a teen driver to their policy.
• Teen Safe Driver Discount: A discount worth up to 15% when parents share how well their teen drivers drives.

SAFECO Policy Discounts

• Multiple Car Discount: Get a discount on your SAFECO car insurance when you have more than one vehicle on our policy.
• Homeowner’s Discount: If you reside in a single-family home, townhouse, condominium or mobile home you can get a discount on your car insurance.

SAFECO Special Discounts

• Drive Less Discount: Up to a 20% discount on your car insurance premium for not drving your vehicle very often.

Please note though, that because we are not SAFECO we cannot guarantee that these discounts will still be offered at the time that you have your policy.  For the current SAFECO car insurance discounts that are offered by the company, contact your SAFECO insurance agent or enter your zip code at the top of the screen for a personalized quote.

Finding ways to save money with Plymouth Rock (Connecticut) insurance discounts.

Plymouth Rock (Connecticut) insurance discounts not be the long list that the Massachusetts discounts are, but they still offer Connecticut drivers good discounts on their premiums. So if you are a driver in Connecticut make sure that you are checking your declaration page for these discounts.

Plymouth Rock (CT) Drivers Discounts

• Accident- and Violation-Free – No accidents and tickets will of course get you cheaper rates through a discount.
• Mature Driver – Discounts available for drivers over the age of 60 who have successfully completed an approved accident-prevention course.
• Distant Student – Discounts for the policy holder on their insurance premium if their child who is a licensed driver is away at school and does not have one of the vehicles on the policy with them.

Plymouth Rock (CT) Policy Discounts

• Multi-Car – Discounts available if you have more than one vehicle insured on your policy.
• Paid-in-Full Discount – If you can pay your annual premium in 1 to 2 payments you can qualify for this discount
• Advance Quote – Discounts for policyholders who get a quote from Plymouth Rock more than 7 days in advance of their effective date on their policy.
• Homeowner – Discounts for those that own their own condo or home

Plymouth Rock (CT) Special Discounts

• Motor Club Member – Active member of one of our approved, membership-based, motor clubs? You can see a discount on your car insurance for that.

Please note though, that because we are not Plymouth Rock (Connecticut) we cannot guarantee that these discounts will still be offered at the time that you have your policy.  For the current Plymouth Rock (Connecticut) car insurance discounts that are offered by the company, contact your Plymouth Rock (Connecticut) insurance agent or enter your zip code at the top of the screen for a personalized quote.