How To Save Money When Insuring a Teen Driver
If you’re the parent of a teenager who is getting ready to climb behind the steering wheel, insuring your new driver can be an expensive endeavor. This is because 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 keep your teen safe and accident-free.
Rather than setting up an independent policy for your teen drivers Insurance, consider adding him or her as an additional driver on your Auto insurance policy. Typically, this is most cost-effective option when insuring a teen driver. Also, if you have more than one vehicle, keep costs down by designating which vehicle your teen driver will be driving. Keep in mind that the newer the car, the more expensive the coverage will be.
Auto deductibles typically range from $250 to $1,000. By upping your deductible and using 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 good student discount
If your teen driver maintains at least a 3.0 grade point average (GPA), he or she typically qualifies for a rate discount. To help motivate your child, consider making driving privileges contingent on maintaining good grades.
Enroll your teen driver in driver’s education
Although courses may be available at your child’s school, consider enrolling him or 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 teen driver a new car to drive with the latest safety equipment is understandable, but you may be better off purchasing a safe, used vehicle in terms of premium prices. 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 to ensure he or she maintains a clean driving record. To help reduce potential accidents. GDI has created our Teen Driver agreement to help you set and review the ground ruls with your Teen Driver. See below!
§ Restrict your teen’s nighttime driving
§ Limit the number of passengers in the vehicle
§ Ban cell phone use while driving even if your state’s laws are more lenient
§ 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
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 can 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 their first year.
§ Ban the use of electronics, such as talking or texting on a cell phone or listening to music while behind the wheel.
Not only is restricting phone use a good idea, it may be the law. The use of cell phones by young drivers is prohibited in 28 states and the District of Columbia. Also, in many states, the law designates the number of passengers young drivers are allowed to have in their vehicle at one time. Make sure you – and your teen driver – know the regulations in your state, county and city.
More Ways To Save Money On Insuring Your Teen Driver!
Keeping your Teen Driver safe is the most important thing we can think of!
GDI has created an exclusive Teen driver safety program. Simply Stated GDI Cares More About Your Teen Drivers Safety!
The same program that helps keep your Teen Driver Safe, also Saves you money on insuring your teen driver!
GDI Can Save You Money On Your Teen Drivers Insurance Policy!
Saving Money On Teen Driver Insurance!
Our Family Saved Over $200 a Year On Car Insurance for our Teen Driver!
We have a teen driver and switched to GDI Insurance this past year. By changing to GDI we were able to save over $200 a year on our Teen Drivers Insurance! The staff at GDI is always friendly and helpful to us and my agent Lorraine Azevedo is GREAT! I would recommend GDI to my friends and family! Thanks Chuck and Kathy O'Brien.
My Family Saved Over 60% on our Car Insurance!
“I had car insurance with another agency for 42 years. Whenever anyone gave me a “lower quote” for my coverage it really wasn’t worth my changing companies. I was referred to GDI and got a quote from GDI agent Lorraine Azevedo. She quoted me a price and I couldn't’t believe the price difference. To think I have been paying 3 times more than what I could get car insurance from GDI! The coverage is exactly the same and most importantly, I now have personal contact with my agent.
The moral of my story is to just get a quote from GDI, you may be glad you did, I know I am.” Bonnie Thompson 12-22-10
Teen Driver Safety Program
I am here to help keep your teen driver safe, make sure you have the right coverage and save you money on teen driver insurance! Our average family with a teen driver has saved as much as 53.83% on the cost of their insurance! It only takes a few minutes to see if we can save your family up to 53.83% on your insurance! At the same time just for calling I will give you your teen driver safety contract!
(Keep reading to see a sample of the contract below)
Here's what Joe Moitoso, Owner of Turlock Fitness Club,
has to say about GDI insurance's exclusive Teen Driver program:
"When my son turned 16 we were worried about our auto insurance. When I asked our current company how much it would be to add him to the policy, I almost fainted! Our old insurance company wanted to charge us $8,355 a year!!! Over half of that was for my son alone! I called GDI Insurance and in a couple hours, had a policy that was $4122 for the year! GDI saved me half on my personal insurance…GDI saved us so much money, it’s like they sent us to our beach house this week for free!"
Call Lorraine Azevedo, your family GDI Insurance Broker, now!
Here's a quick sample of the Teen Driver Contract you'll receive FREE just for calling
A Special Message from Lorraine
As a mother of three, I know that helping you keep your children safe is the most important thing I can think of. GDI has an exclusive program to help keep your children safe. We also have the best rates for families with teenage drivers! The last few new clients I helped with teenage drivers were able to save up to 49.87% on their auto insurance premium! That is pretty impressive savings. Like Joe Moitoso attested to in his quote above, these are real savings!
As a GDI broker I am proud to be able to help your teenage driver stay safe and I'm happy that I can save you money at the same time! Lower Rates and Better Service, that's what GDI is all about. Call anytime.
If you have an organization that you would like me to make this presentation for, you're welcome to call for that, too! I would love to help... GDI is also a major insurer of Driving Schools in the western United Sates, CA, AZ, NV, and NM. We are committed to your family's safety!
How GDI Can Help Keep Your Child Safe
Your child is driving a car now and that can be a dangerous activity, but it's part of growing up. So you want to do everything possible to keep your child safe.
Educating new drivers with drivers education and driving school training is a good first step. But as a parent you can do even more!
Your GDI insurance broker can help!
Check out GDI's free Teen Driver Safety presentation and contract by filling out the request form on the top right side of this page. We will email you both the presentation as well as the contract between you and your teen driver.
Or just call Loraine Azevedo a call at 888-991-2929 and you'll receive a free Teen Driver Contract just for calling!
You can call Lorraine Azevedo at 888-991-2929 to set up a time to go over the teen driver program here at our office in Turlock. We can also put on this presentation for any service groups, group of parents, or anyone interested in teen driver safety.
Lorraine Azevedo, your GDI insurance broker, can save you lots of money on your auto and home insurance, but most importantly she can help you keep the things you value the most safe!
Teen Drivers can save money by having GDI provide quotes with Allied Insurance, Mercury Insurance, Progressive, Safeco, Hartford, Travelers, California Insurance Group, Met Life Auto, Fireman's Fund, and many other companies! Let us help keep your child safe, and save you money on your auto insurance at the same time!
Go to the top of this page to request your FREE Teen Driver Contract now, or...
Click here to get a FREE Teen Driver Insurance quote right now
More Reasons to Call Lorraine Azevedo GDI Insurance broker:
GDI Insurance Agency adds Safeco Teensurance program to their teen driver safety program!
Innovative bundle of technology and services serves to deliver peace of mind for parents of teen drivers!
Lorraine Azevedo GDI Insurance broker continues to seek out ways to help keep your family safe while saving you money on your insurance costs. GDI and Safeco (NYSE: SAF) announce the availability of TeensuranceTM powered by Safeco, a new product that helps Central CA families protect their teen drivers as they gain experience and build trust.
Teensurance includes a set of online tools based on an on-board GPS and notification technology called the Safety BeaconTM, and provides real-world services to give parents peace of mind and help keep teens safe on the road. This new bundle of tools enables families to take proactive steps to monitor their teen’s behavior behind the wheel. Parents can set speed, distance and curfew limitations and affords them access to their teens’ vehicles with real-time notification so they will know if their teen drivers are in danger. With Teensurance parents and teens can also:
Set “safe driving” zones to gradually ease new drivers into the driving scene as they gain experience;
- Unlock a car door remotely, in seconds, using a simple code;
- Access roadside assistance, 24/7, in case of car trouble;
- Gain insights into teen driving attitudes via the TeenDash survey;
- Download a parent/teen contract and educational materials
“Teensurance is a proactive solution to help parents around Turlock, Hilmar, Denair, Modesto to Stockton and down to Fresno CA, keep their families safe on the road, and the first in a series of Safeco innovations that push beyond traditional insurance to impact our customers on a broad scale,” said Lorraine Azevedo GDI Insurance Broker.
Here is a link to get a Teensurance Rate Quote Now!
- If you are not this happy about your car insurance rates give me a call! Lorraine Azevedo GDI Insurnace Broker 888-991-2929
“Before Teensurance, parents had to rely on hope and worry to mitigate this stressful time. Now, parents have the ability to guide frank conversations about what is acceptable behind the wheel, as well as the peace of mind that comes with knowing what actually happens on the road.”
Teensurance is available to customers with Safeco auto insurance policies. Those customers are eligible to receive the product for a limited-time introductory price of OBJECT4.99/month. The price includes free installation of the Safety Beacon, and is guaranteed for two years.
For more information about Teensurance, contact Lorraine Azevedo GDI Insurance Broker, About Safeco
Safeco, in business since 1923, is a Fortune 500 property and casualty insurance company based in Seattle. The company sells insurance to drivers, homeowners and owners of small- and mid-sized businesses principally through a national network of independent distribution partners. For more information, visit www.safeco.com
For more information about Teensurance, contact Lorraine Azevedo GDI Insurance Broker, About Safeco
A Message from GDI President Grant Davis