Lorraine Azevedo, Curb the Cost Of Insuring Your Teen Driver

Written by on 8/9/2010 5:24 PM . It has 0 Comments.

I'm Lorraine Azevedo, and I have been an insurance agent, and broker for 31 years.  Keeping your family safe is my first priority, making sure your coverage is correct, and your premium is as low as it can be is why I am a GDI Insurance Broker!

Turlock Auto Insurance, Hilmar Auto Insurance Savings
Lorraine Azevedo, GDI 888-991-2929

Let me help you keep your teen driver safe!  I have full teen driver safety programs, and teen driver contracts to help you know what to do and how to do it.

We have the lowest rates, and the best service.  I joined GDI after 31 years in insurance because I have never seen an agency do more to care for their clients!  Call me today and let me show you how I can help!  888-991-2929. 

We have great rates for Patterson CA auto insurnace, Turlock CA Auto Insurnace, Hilmar, CA auto insurance, Modesto CA auto insurance.   Just call GDI and ask for Lorraine Azevedo!

f you’re the parent of a teenager who is getting ready to climb behind the steering wheel, insuring them can be an expensive endeavor. This is due to the fact that the risk of motor vehicle crashes is higher among 16- to 19-year-olds than among any other age group. We’ve gathered some helpful tips to help you keep your premiums as low as possible, and your teen safe and accident-free.

Policy options

Rather than setting up an independent policy for your teen driver, consider adding them as an additional driver on your Auto insurance policy. Typically, this is most cost-effective option. Also, if you have more than one vehicle, designate which vehicle your child will be driving. The newer the car, the more expensive the coverage will be.

Deductible considerations

Auto deductibles typically range from $250 to $1,000. By upping your deductible and utilizing your insurance for big repairs, you can significantly reduce your premium. If you lease or finance a car, the leasing or financing company may require a deductible cap of $500.

Ask for the student discount

If your teenager maintains at least a 3.0 grade-point average, he/she typically qualifies for a rate discount. To help motivate your child, consider making his/her driving privileges contingent on maintaining good grades.

Enroll your teen in driver’s education

Although courses may be available at your child’s school, consider enrolling him/her in a driver’s education course.  Often, discounts are available for teens who take recognized driving classes because it extends the teaching period.
Weigh your buying decision

Wanting to get your teenager a new car to drive with the latest safety equipment is understandable, but you may be better off purchasing a safe, used vehicle. Before you make an auto purchase, we’d be happy to give you an insurance quote to help you with your buying decision.

Set your expectation for safety

The best way to keep your teen’s insurance premium stable is for them to keep their driving record clean. To help reduce potential accidents:

  • Restrict your teen’s nighttime driving
  • Limit the number of passengers in the vehicle
  • Ban cell phone use while driving
  • Establish driving-area limits
  • Set a curfew
  • Talk to your teenager about the dangers of drinking and driving
  • Insist on seat belt use for everyone in the vehicle
  • Ride with your son or daughter occasionally to make sure they are keeping up with the safety habits that they learned in driver’s education

Top Ways to Save on Your Auto Premium:

  • Consider raising your deductible
  • Ask about a good student discount
  • Have your teen keep up their good driving record
  • Enroll your teen in driver’s education
  • Ask about our multi-policy discounts

Minimize Distracted Driving

The risk of motor vehicle crashes is higher among 16- to 19-year-olds than among any other age group. The higher the risk, the higher the insurance premium.

While you can’t do anything about your teen’s young driver status, there are many things you can do to help them keep their good driver standing. Teens get distracted easily, which increases their risk. To minimize their potential for distractions:

  • Do not allow them to drive with more than one other person in the car for the first year of driving
  • Ban the use of electronics, such as talking or texting on a cell phone or listening to music, while behind the wheel

Please click on this link to view our GDI Teen Driver Presentation.  Once you are done call me Lorraine Azevedo at
888-991-2929 for the lowest rates, best coverage, outstanding service, and of course your free Teen Driver Driving Contract!


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