Having a young driver in the household can raise your car insurance premium pretty significantly. So what can you do to lower the insurance bill? Ask yourself these questions to find out if you might qualify for some premium savings.
- Is your child a good student? If your son or daughter maintains at least a B average in high school or college, he/she may be eligible for a “good student” discount. Most insurance companies require that your college student needs to take at least 12 credits to qualify. A recent transcript or report card usually needs to be submitted as proof of qualification.
- Is your child a student at school over 100 miles away? If your son or daughter attends boarding school or college more than 100 miles away from your home and does not have a vehicle with him/her, there may be an additional discount available.
- Did your child complete behind-the-wheel driver’s training? By taking a driver’s training course with a certified driver, your son or daughter may be eligible for an additional premium credit. Most insurance companies will provide you with a discount if you have a certificate stating your child completed 6 hours of behind-the-wheel training. The premium discount usually offsets the cost of course.
- Has your young driver been accident/violation free? Insurance will be less expensive if your child isn’t involved in any accidents and/or doesn’t receive any driving violations, such as speeding tickets. Conversely, a blemish on a young driver’s record can cause an even more significant increase on the auto insurance premium.
We understand that having a young driver in the household is stressful enough! Leave the insurance to us! We are here to answer any questions you may have. Give us a call at (401) 723-8510 or visit us online.
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