Need Cheap Teen Driver Car Insurance in Georgia
Reader’s Question:
My 16 year old son’s car insurance is sky high! How do I help my son lower his car insurance premium in Georgia?
Arnold
Albany, GA
Here are some tips to help teen drivers lower their car insurance rate:
1. Staying on your parents’ insurance policy could save you a lot of money. Definitely, it will increase your parents’ car insurance premium however that may be cheaper than starting your own auto insurance policy. Motorists with experience may be eligible for discounts for owning a home, being married, having several vehicles,etc.
2. Some insurance providers offer discounts to teens or young drivers, for taking a driving class or good grades. Although that might not mean that their car insurance rates are cheaper than an adult or motorists with more experience.
3. As you get older your car insurance rates drop. At age 19, you may be able to see a drop by as much as 28%. Your car insurance rate could drop an additional 31% at the age of 21.
It would be also helpful to speak with your Georgia car insurance agent to ask on how to lower your teen car insurance.
One of the best ways to lower your annual premiums is to have a higher deductible amount.. Like a $1,000, is what I carry personally.
Now, if you are a claim free and safe driver like I am, you could be saving a ton of money each year on your premiums. People fail to realize that the deductible amount is only paid when they file a claim and their insurance company pays that claim.
How Much Teen Car Insurance Coverage Needed in Connecticut
Reader’s Question:
My teenage daughter who is nineteen years old just recently bought a car and is getting her own insurance on it Connecticut She attends college and she works part time. How much car insurance should she have? .
Maria
Bridgeport, CT
The state of Connecticut requires minimum Bodily Injury Liability coverage of $20,000 per injured person up to a total of $40,000 per accident, and with a minimum limit of $10,000 for the Property Damage Liability coverage .
Higher limits of the state minimum amounts are good to be purchased if it is financially available to your teenage daughter. It is something she could speak about with an insurance broker or agent.
Beyond the coverages if her vehicle is financed she will likely be required to also have comprehensive and collision on the car. If her vehicle is not financed she may still want to consider these types of physical damage coverages so that her vehicle is protected.
