Getting Cheap Auto Insurance for Your Son

If your son or daughter is about to get their license, it's likely that they'll be shopping for an auto insurance plan. The problem? Auto insurance premiums can be costly and not altogether affordable for a new driver who just got their first job and is trying to keep up with student loans, rent, groceries, gas, etc.

We've put together this informative article on how you can find cheap car insurance for your son that isn't going to break the bank - and doesn't have tons of hidden fees! We'll also cover some awesome money-saving tips so your child has the resources they need when it comes time to do routine maintenance on the car like oil changes or new tires.

Best Tips for Getting Cheap Auto Insurance for Your Son or Daughter

(and keep your financial situation in mind)

Don't automatically accept the first price you are offered. The truth is that the auto insurance rates you are quoted are not really accurate. They don't include your individual details, such as whether or not you carry a balance on your credit card or if your child has had any previous driving accidents or tickets. As a result, there's a good chance that once they have all of your information - including driving history and employment status - they'll come back with an entirely different quote.

The truth is that the auto insurance rates you are quoted are not really accurate. They don't include your individual details, such as whether or not you carry a balance on your credit card or if your child has had any previous driving accidents or tickets. As a result, there's a good chance that once they have all of your information - including driving history and employment status - they'll come back with an entirely different quote. Don't get discouraged by huge increases in premiums once they hit their third year of driving on their own . Your son or daughter is considered a safe driver in the eyes of most insurance companies. That means that they are rewarded with low auto insurance premiums after just one or two accident-free years of driving. In fact, most companies will drop rates by up to 15% after the first year of being on their own (and sometimes even more!).

. Your son or daughter is considered a safe driver in the eyes of most insurance companies. That means that they are rewarded with low auto insurance premiums after just one or two accident-free years of driving. In fact, most companies will drop rates by up to 15% after the first year of being on their own (and sometimes even more!). Don't be intimidated by the paperwork. Insurance companies give you one chance to proof your child's driving record before increasing their prices. While this may actually seem daunting, you can actually get an auto insurance quote that includes proof of auto insurance with just a few simple steps. You can do this yourself or hire an expert to help you through the process. Be sure to include whatever documentation they ask for.

Insurance companies give you one chance to proof your child's driving record before increasing their prices. While this may actually seem daunting, you can actually get an auto insurance quote that includes proof of auto insurance with just a few simple steps. You can do this yourself or hire an expert to help you through the process. Be sure to include whatever documentation they ask for. Don't forget to shop around . Not all auto insurance companies are created equal. Their prices vary, so it's definitely worth your time to fill out a quote for each company you come across online. Keep in mind that there may be hidden fees or other circumstances that could make some companies less advantageous than others, so always keep an eye out.

. Not all auto insurance companies are created equal. Their prices vary, so it's definitely worth your time to fill out a quote for each company you come across online. Keep in mind that there may be hidden fees or other circumstances that could make some companies less advantageous than others, so always keep an eye out. Break up the costs . If your son or daughter is currently on their parents' auto insurance plan, they might be able to get a rate that's better than what you currently pay. Even if you do have to pay for some of this coverage out of pocket, it could potentially save them money in the long run.

. If your son or daughter is currently on their parents' auto insurance plan, they might be able to get a rate that's better than what you currently pay. Even if you do have to pay for some of this coverage out of pocket, it could potentially save them money in the long run. Don't give in to pressure from friends and family . Sure, you might feel bad if your son or daughter gets a ticket and pays more than they should, but let them be the one to call the insurance company on their own. They will know what the best rate is for their driving record and if they need to pay out of pocket for something, that's their choice as an adult.

. Sure, you might feel bad if your son or daughter gets a ticket and pays more than they should, but let them be the one to call the insurance company on their own. They will know what the best rate is for their driving record and if they need to pay out of pocket for something, that's their choice as an adult. Make sure your child has their own personal liability insurance. The state requires it, but when you factor in uninsured or underinsured motorist coverage, this can add up to a lot more than they really need. So make sure that they pay for it on their own.

How Much Does an Average 13-Year-Old Driver Pay for Car Insurance?

(and the reasons why it's so expensive)

There are many factors that determine the cost of auto insurance for a car. For starters, auto insurance companies have to consider several factors in order to set the prices before determining what you actually pay each month.

In most cases, the 13-year-old driver will be considered a young driver. However, some insurance companies may consider them to be classified as a high risk driver. This is because young drivers are typically irresponsible behind the wheel and therefore cost insurance companies more money.

According to the National Association of Insurance Commissioners (NAIC), “Older, less experienced drivers are charged more because they are more likely to have an accident. Yet even young and inexperienced drivers can be charged over rates for which other similar risks are not charged." And that makes sense! Why would an auto insurance company charge a higher premium for someone with a clean driving history? It doesn’t make sense, but that's actually how it works.

On the contrary, the NAIC also says that “Insurance companies must offer you a policy. If you have a risk type or driving history that an insurance company sees as unfavorable, they may ask you to pay more than the standard premiums." So even if your teenager doesn’t have much of a driving history yet, they could still be considered high risk for auto insurance reasons.

How Much Does it Cost to Insurance an Average 13-Year-Old Driver?

At the age of 13, your son or daughter will most likely be classified as a high risk driver for car insurance purposes. As such, auto insurance companies typically charge more for their policies than their older counterparts.

Conclusion: How Much Does an Average 13-Year-Old Driver Pay for Car Insurance?

The answer to this question depends on many factors. The 13-year-old driver will be considered a high risk driver, so they will pay more than their younger counterparts. In some cases, the teenager may also be considered a young driver. Lastly, there are many other factors that determine their rates as well, such as the state where you live and any accidents or tickets that they have received previously. So if you’re looking for the average cost of an average 13-year-old driver for car insurance, your best bet is to get multiple quotes from different companies and then call one of them to see what they offer.