You may eagerly anticipate or dread the moment your teenager has their driver’s license. Either way, it’s important to ensure your child is covered by auto insurance before they get behind the wheel. Since teenagers are statistically more likely to get into an accident, their premiums can be high. You’ll want to shop around for the best rates, but here are a few other tips that can save you money.

How to Save on Auto Insurance When You Have a Teen Driver

1. Add Them to Your Policy

It’s almost always cheaper to add your teenager to an existing policy than to have them sign up for their own. Some of your discounts get passed along to them, which reduces their portion of the premium. Once your teen moves out or turns 18, they can get their own coverage.

2. Inquire About a Good Student Discount

Many insurance companies offer a discount for teenagers with good grades. If your child can maintain a B average, you might qualify for a lower monthly premium. It doesn’t hurt to ask, and it will give your student another reason to study hard.

3. Enroll Them in a Driver Safety Education Course

If you take a driver safety education course, your insurance company may reward you with lower premiums. Everyone on your policy can take advantage of this. It’s a good idea to have your teen take the course anyway because it will help them drive better and ensure their safety on the road.

4. Keep the Mileage Low

Insurance rates are calculated partly on usage. If you drive less, your risk of getting into an accident goes down. So if your teen doesn’t put a lot of miles on their car because they still take the bus to school, you could save a lot of money on your monthly premiums.

If you’re looking for auto insurance coverage for your teen, it pays to shop around. The experienced team at Siemers Insurance Agency will take the hassle out of insurance shopping and find you the best policy for your family. With over 60 years of experience, this agency has established relationships with different carriers to ensure your premiums stay affordable. To learn more, visit the website. You can also call one of their agents in Cincinnati, OH, at (513) 469-8877 to get quotes.