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It’s probably safe to say that all teens look forward to their sixteenth birthdays so they can gain the privilege of driving. Driving offers freedom, responsibility, and an overall “grown up” feeling for teens. And it’s probably also safe to say that most teens not only want their own vehicle, but they want a “cool” vehicle, as well. After all, no one wants to drive to school in Dad’s old work truck, right? Regardless of whether you purchase your teen his or her own vehicle, or lend them the family car, one of the best ways to get a low car insurance rate for your teen driver is to make sure your teen driver is driving a safe vehicle.

If you choose a safe vehicle for your teen driver, not only are you better protecting your teen and the passengers, but you’re also protecting the vehicle itself. Insurance companies will look at how much it’s going to cost to repair the vehicle in the event of an accident, as well as how safe your teen and the passengers will be inside the vehicle in the event of an accident. Insurance companies will look at statistics such as crash test ratings and features such as air bags for both drivers and passengers, so you should research them as well when you head out to purchase your teen’s vehicle.

So, once you head out to shop for a vehicle for your teen, keep in mind that car insurance rates for teens tend to be lower when you choose a sturdy vehicle with plenty of safety features. And if you plan to just loan one of the family cars to your teen? Opt for the safest one! By taking these steps, not only do you have a greater chance for lower car insurance rates for your teen driver, but you’re also helping to ensure the safety of your teen as well as passengers.

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It can be really difficult to share your teenager’s enthusiasm when they are ready to start driving. For them, it’s exciting and fun. For you, it’s a knuckle-biting time full of worry about their safety and your bank account.

It’s important to plan for car insurance before your child actually starts driving. Unfortunately, it is going to cost your quite a bit more to insure your teenage driver. However, you can try to contain those costs while still making sure your child is protected:

• Start by comparison shopping. Get a quote from your current auto insurance company, and at least two or three other companies.
• If you plan to buy your child a car, a new sporty vehicle will cost considerably more to insure than an older, safer used auto.
• If you have multiple vehicles ask your insurance company to list your teenager as the driver on only one of your vehicles — preferably the oldest and least expensive one. Of course that is the vehicle your teenage needs to drive.
• Talk to your teenager about the financial importance of good grades. Many insurers offer good student discounts.

It’s not a good idea to reduce the limits of liability on your teenage driver, just to save some money. Teenage drivers are among the highest risk drivers on the road. If they cause an accident, you’ll be responsible for the difference between the limits on the policy and the actual damages.

If your child can keep a clean, accident-free driving record they will eventually be rewarded with lower rates. And you will be rewarded with peace of mind.

Scott Lunt is a freelance writer with over 15 years experience writing insurance-related articles. You can find more tips on saving on car, home, life, health and long-term care insurance at LowerYourInsurance.com.

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