Hopefully, your teen does well in school already, but this can be an extra incentive if they don’t. Your young driver might be disappointed with an older car in the short term, but in the long run, you’ll save a lot of money on car insurance. Compare prices so you can get the affordable car insurance in Arizona that you need. What if your teen doesn’t have their own car? If the cars on your policy right now all have comprehensive and collision coverage, you might find that it’s cheaper to buy an older car for your teen than to have them drive your vehicle. You can carry liability-only coverage, which protects others if your teen causes an accident, without having coverage to repair your teen’s vehicle. Instead, choose an older car for your young driver that doesn’t need a loan. These two coverages, which are often referred to as “full coverage,” can add a significant amount to your monthly bill. The reason is that having a teen driver affects the cost of every coverage on the car - and newer cars need comprehensive and collision coverage if you use a loan to purchase the vehicle. Young drivers cherish the idea of driving a spiffy new car, but getting them a new or recent-year vehicle is the wrong move if you want to save on your car insurance. That means you can get lower rates overall, helping you get cheap Arizona car insurance even with a young driver. This can lower the premium compared to insuring each one separately.Īlso, if you’re a safe driver, the combined risk of you and your teen is better than your teen alone. Alone they may only have one car, but on your policy, there are multiple. One of the reasons is your teen will get to take advantage of a multi-car discount. However, if they’re living with you, the total cost will generally be lower if you add them to your policy. It can be tempting to keep your personal rates low by having your teenager get their own insurance policy, and that’s a good idea if they’re out of the house and living on their own. It just also happens to lower your car insurance rates. It’s about keeping your teen safer when they drive and decreasing the chance of a serious accident. Safe driver training isn’t just for cheap auto insurance in Arizona. This might include discussions of common personality types, a clear understanding that you don’t save much time by speeding, and tips on how to handle road rage and other everyday occurrences. This training helps drivers of all ages understand some of the common temptations when they’re on the road and how to avoid them. If you want a significant discount on your car insurance, you can have your teen take a safe driver class. Most teens will take a driver’s education class to get their license, but there’s no reason to stop there. Here are a few tips that you can use today! Get Safe Driver Training That means higher monthly premiums.įortunately, there’s a lot you can do to get cheap auto insurance in Arizona for your teenager. The fact that young drivers are sometimes more reckless, combined with their inexperience, makes them a risky group to insure. There’s no doubt teen car insurance can be expensive. If you have a teen driver, you might think cheap auto insurance in Arizona is impossible. There are over 20 million teenagers between 15 and 19 years old in the United States, and most of them drive or will soon be driving.
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