If you have teenaged drivers in your house, you need to know how you can get cheap car insurance that will not end up depleting your bank account. You will find cheap car insurance for teens when you go online and take a look around at the options. Much depends on the type of car that the teen is driving as well as their grades, driving record and their age and gender. Car insurance for boys is generally higher than for girls and begins to drop as the teens get towards their 20s and grow into adults.
When you are looking for cheap car insurance for teens, the first thing that you should do is to make sure that the car they purchase is registered in your name with yourself as the primary driver. This will save you money and enable you to get cheap car insurance for them. If the car is registered under the name of a 16 year old boy, it will cost them a lot more money when it comes to car insurance premiums than if it is registered under mom or dad with the boy listed as a secondary driver. He is still covered in case of an accident.
If the car that your teen is driving is a cheap car, then it is even easier to get cheap car insurance for teens as they only need liability coverage. The amount that they will spend for collision coverage is usually more than the car is worth. You can get a cheap car insurance quote for a teen when you go online and look for state minimum insurance coverage that is liability only. This way, if your teen gets into a car accident, the car itself will not be covered, but liability against other drivers will be covered.
You can also get cheap car insurance for teens if you raise the deductible that you pay out of pocket. If the car is a newer car and you want to get cheap car insurance, then you can have a higher deductible in case they dent their fenders. The higher the deductible, the lower the premium. The type of cheap car insurance for teens that you get depends upon the type of car the teen will be driving, as well as whether or not you want full coverage or liability only.
Another way to get cheap car insurance for a young driver is to make sure that they keep up their grades in school. Many insurance policies will give a better rate to a good student, called a good student discount, if the teen is doing well in school. You can find the best cheap car insurance for teens when you go online and start looking for quotes. Just because you have a teenaged driver does not mean that you have to pay a fortune for your car insurance. You can find plenty of options to save money on your premiums when you take the time to go online and get the best quotes.