{"id":2727,"date":"2018-07-17T18:35:13","date_gmt":"2018-07-17T22:35:13","guid":{"rendered":"https:\/\/new.greatflorida.com\/blog\/?p=2727"},"modified":"2026-04-16T18:43:48","modified_gmt":"2026-04-16T22:43:48","slug":"lowering-a-teen-drivers-auto-insurance","status":"publish","type":"post","link":"https:\/\/www.greatflorida.com\/blog\/2018\/lowering-a-teen-drivers-auto-insurance\/","title":{"rendered":"Lowering a Teen Drivers Auto Insurance"},"content":{"rendered":"

A new driver in the family is exciting. However, it can also be the source of stress. Aside from safety concerns, car insurance<\/a> costs increase significantly.<\/p>\n

Teen crash rates are the highest of any age group, making them the riskiest group on the road. Adding a teen to the family car insurance<\/a> policy can sometimes double the payments.<\/p>\n

\u201cWhile car insurance<\/a> can get pricey for teens, discounts are available,\u201d says Dustyn Shroff<\/a>, Vice President of GreatFlorida Insurance<\/a>. Below are some discounts available to teen drivers to cut auto insurance<\/a> costs.<\/p>\n

Good Grades<\/strong><\/p>\n

Good student discount rewards students financially, for doing well in school. According to DMV.org<\/a>, statistics show that students who get good grades are less likely to get into a car accident, making them a lower risk for car insurance companies. A Good grade discount varies among auto insurance<\/a> companies, however most require the following:<\/p>\n

The student is under 25 years old<\/p>\n

Full-time enrollment at a high school or college\/university<\/p>\n

Maintain at least a B average (3.0 grade point average), or be on the honor roll or Dean\u2019s List.<\/p>\n

Show other accepted proof of good performance, if home-schooled.<\/p>\n

Score in the upper 20 percent on one of the six standardized tests.<\/p>\n

Some insurance companies will extend the discount for a year after a student completes school.<\/p>\n

\"\"<\/a><\/p>\n

Driver\u2019s Education<\/strong><\/p>\n

Safety is the top concern for parents of a teen driver. The Centers for Disease Control and Prevention (CDC)<\/a> report, motor vehicle crashes are the leading cause of death for U.S. teens. Driver safety courses teach new drivers rules of the road, as well as offer teen drivers savings.<\/p>\n

Students who complete a driver training program, are eligible for a discount. DriversEd.com<\/a> reports drivers can earn a discount of up to 10 percent after completing their course. Some insurance providers have special courses where students can earn over 15 percent savings.<\/p>\n

Electronic Device Technology<\/strong><\/p>\n

Several auto insurers<\/a> now offer electronic devices to monitor teen driving habits. The devices gather information such as, the number of miles driven, speed, the number of hours on the road and how often the brakes are applied hard. Drivers who meet the standards can save up to 30 percent on premiums.<\/p>\n

\u201cThese devices are great for safety and savings,\u201d says\u00a0 Buck,\u00a0 of GreatFlorida Insurance<\/a>.<\/p>\n

Distant-Student Discounts<\/strong><\/p>\n

If your student driver, resides at a school at least 100 miles from your home and only occasionally drives your vehicle, you could qualify for a discount on your auto insurance.<\/a><\/p>\n

Car Selection<\/strong><\/p>\n

While most teens dream of receiving a brand-new car for their 16th<\/sup> birthdays, the reality is, they will most likely be driving something used. A used car will save you money to insure instead of insuring a new one. Large trucks and SUV\u2019s cost more to insure, particularly if they have a four-wheel drive option. Some car features that can save money include; anti-lock brakes (ABS), air bags, adaptive cruise control, lane departure warning, collision preparation systems and anti-theft devices.<\/p>\n

\"\"<\/a><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

A new driver in the family is exciting. However, it can also be the source of stress. Aside from safety concerns, car insurance costs increase significantly. Teen crash rates are the highest of any age group, making them the riskiest group on the road. Adding a teen to the family car insurance policy can sometimes […]<\/p>\n","protected":false},"author":1219,"featured_media":2735,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[3,4,6,1,5,82,89,9],"tags":[],"class_list":{"0":"post-2727","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-auto-insurance","8":"category-boat-insurance","9":"category-commercial-insurance","10":"category-floridainsurance","11":"category-homeowners-insurance","12":"category-rv-insurance","13":"category-travel-insurance","14":"category-umbrella-insurance"},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/posts\/2727","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/users\/1219"}],"replies":[{"embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/comments?post=2727"}],"version-history":[{"count":1,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/posts\/2727\/revisions"}],"predecessor-version":[{"id":13799,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/posts\/2727\/revisions\/13799"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/media\/2735"}],"wp:attachment":[{"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/media?parent=2727"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/categories?post=2727"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/tags?post=2727"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}