When teenagers obtain their license, they need to be added to an auto insurance policy in Ball Ground, GA. The challenge is determining how much it will impact their rates to pay for the policy based on several different factors.
Type of Coverage
A key factor that impacts rates, beyond the young age of the driver, is the type of policy that is purchased. A comprehensive plan will usually cost more than a basic liability policy, but it can add to the protection when teens drivers are taking the car out on the road.
While some factors, like theft or the risk of a hail storm, are not related to the driver, collision coverage and liability can increase the rate.
Even though teenagers have a limited amount of driving experience and are considered risky by an insurance company, it is usually possible to lower the rates to a reasonable price by asking about discounts.
Some auto insurance companies offer discounts for good students. The good grades suggest that a teen driver has a higher level of responsibility. It may also be possible to apply a discount to the policy by taking a defensive driving course.
Keep in mind that discounts can vary, so every policy can have different options that apply. The insurer may also have promotional offers that are available for a limited amount of time that may apply to a teen driver. Asking about the possible reductions can make it easier to get the preferred rate.
There are a variety of factors that impact the cost of coverage on a car. Even teens can find discounts and special rates that apply to their vehicle and help lower the cost. Contact us to speak to an agent to learn more about saving on auto coverage.