How to get around paying the over priced rate of car insurance for teenage drivers ?

May 1, 2017 · Posted in FAQ 
car insurance
Mike Z asked:

Does anyone know of a reasonable insurance company for auto insurance ? We just added our teenage driver to our policy and it went up $400. She doesn’t even have a car. I have a 2007 Dodge Charger and my husband has a 2004 Chevy Avalanche.

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10 Responses to “How to get around paying the over priced rate of car insurance for teenage drivers ?”

  1. scrapbookgirl on April 25th, 2009 10:22 pm

    My best advice is to shop around. You might find places that give discounts for accident free, etc. I know when I was in school my parents got a discount for my good grades from state farm.

  2. Dee on April 28th, 2009 10:48 pm

    Also, sometimes they accept drivers school certificates for a discount too.

  3. sglmom on May 1st, 2009 11:07 am

    As a Long Term Single Parent — I told my children not only would they have to keep their grades UP (there is a good student discount), but that they were NOT to drive UNLESS They worked a job and paid for the insurance increase themselves … and I meant every bit of that too (for I worked as a Teenager and paid my own auto insurance, purchased my own car, paid all the maintenance/repair costs, etc etc etc.)

    Shop around … give the child limits. I know that I only had the Old Sedan (so yes, with a modest car (and a bit older) .. I can say that the insurance did NOT increase that much) .. but … you may also have to think about the Vehicles you drive (For they are cars that teenagers get into trouble in for sure).

  4. oldestme on May 1st, 2009 3:00 pm

    I used to live in Kansas City, Missouri and had a car insurance and then got a few speeding tickets and got informed by them that my new payment would be about $2,500.00 a month and I quit having insurance for about 2 years. And was very nervous when I had to drive and then I received an offer in a brochure from GEICO and called them and the man said you do have a record as we can see so we will be glad to insure you for about $750.00 a month and now with my excellent record. I pay about $387.40 a month. So consider them and give them a call their main office is in Washington D. C. so try it and see what they might have to offer and if you keep a good record, you could be reduced. Good Luck and I wish you the best.

  5. slatratknowsstuff on May 4th, 2009 12:18 pm

    Talk to your agent, sometimes you can stack discounts for voluntary defensive driving, driving classes, they are even doing little games on the internet that improve hand eye coordination in some markets, and theres more.

  6. Dan W on May 7th, 2009 5:08 am

    Have your parent/guardian register it with you as an authorized driver.

  7. magiccharm on May 8th, 2009 5:03 pm

    $400 sounds very reasonable to me. wait till she has an accident or gets a ticket. Your rate will double. having had two boys my suggestion is buy her a cheap car and list her as primary driver. The cheaper the car the cheaper the insurance generally.

  8. MARGARE T on May 8th, 2009 10:17 pm

    Very interesting question.advise you have a visit here for useful tips.

  9. macsfins on May 9th, 2009 12:10 pm

    Adding a teen driver can be very costly, but that is because of the risks many teen take while driving. You can certainly shop around to find the best rate, but there some factors that you should be aware of.

    Did you know that 16 year-olds have higher crash rates than drivers of any other age? The National Highway Traffic Safety Administration (NHTSA) estimates the economic impact of auto accidents involving 15-20 year old drivers is over $40 billion. These statistics along with the type of car the teen will drive, the age of the car, and geographic location are all factors that impact the overall cost of insuring a teen.

    If we collectively work to improve teen driving habits thereby improving teen driving statistics, then the financial burden can be lessened making it easier on families.

    As a representative from State Farm, we have created the following site that is designed to help parents with teen drivers:

    In addition, State Farm, together with Children’s Hospital of Philadelphia, conducted a comprehensive study regarding teens and driving, available at:.

    I hope you find this information helpful.

  10. Bill G on May 9th, 2009 9:36 pm

    Due to the vehicles you own and the age of the teenager you got off lucky. IF it only went up $400 for the year feel really good. The other suggestion is that the young one have their own vehicle and carry their own insurance. That would mean they would have to get a job and be responsible…

    I’ve had good info about it here:

    Hope that helps.

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