Teen Driver Discounts

Taking advantage of these opportunities could reduce the cost of insuring your teen drive!

So you just turned of driving age and your mom and dad gave you the keys to your very first car. Now it's time to get insurance.

You should be aware that insurance rates for teenagers are based on how likely it is that you are "statistically" going to get into an accident. For first time drivers, this can be a hassle. For parents of teen drivers, it can be expensive! Unfortunately, statistics aren't on the side of young drivers. The fact is, the risk of a teenager getting into an accident is nearly 4 times higher (16-19 year olds) than for older more experienced drivers.

Luckily there are things you and your parents can do to save money on auto insurance rates.

	Get good grades. Most insurance companies will offer a significant discount (sometimes as high as 25%) for student drivers who can maintain a B average or better.
	Complete a Drivers Education course (Drivers Ed). Taking a formal training course will usually save you, and your parents, on insurance premiums. Discounts up to 15% can be realized up to the age of 21.
	Complete a NYS defensive driving or accident prevention course (DDC). Taking this formal training course will usually save you on your insurance premiums. Discounts up to 10% on your liability and collision premiums can be realized, even for a teen driver. Additionally, this course can be renewed every 3 years and is ideal for teenage driver safety..
	Get an "insurance friendly" car. Insurance companies rate cars on their "safeness" according to many factors. These factors can include seatbelts, airbags, car value, and engine type. Ask your agent what cars they deem "safe" to save you the most money.
	Shopping around! As with anything, when insuring a teenage driver, it's best to shop around for the best deal. There is no one set price for auto insurance rates. Shopping with Lighthouse Insurance makes it easy, just complete our online insurance quote request and receive offers from multiple carriers. Then, choose the insurance coverage and cost that's right for you.