{"id":1444,"date":"2024-02-28T22:03:47","date_gmt":"2024-02-28T22:03:47","guid":{"rendered":"https:\/\/www.acceptanceinsurance.com\/?page_id=1444"},"modified":"2024-10-24T17:50:13","modified_gmt":"2024-10-24T17:50:13","slug":"teenager-auto-insurance","status":"publish","type":"page","link":"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/teenager-auto-insurance\/","title":{"rendered":"Teenager Auto Insurance"},"content":{"rendered":"<div class=\"c-section  \" >\n    <div class=\"o-wrapper o-wrapper--small\">\n        <div class=\"c-section__content\">\n\n<!-- id=\"general_text-block_31a8233b722fcde96e9f4c9f8d20a18a\" -->\n            <h2 class=\"c-section__title c-section__title--left\">Understanding Teen Car Insurance<\/h2>\n        <div class=\"o-component s-cms-content\">\n        <p>Navigating the world of car insurance for teens can feel overwhelming for both new drivers and their parents. With higher premiums and specific coverage options tailored to younger, less experienced drivers, it\u2019s important to understand how teen auto insurance works and what factors come into play when insuring a young driver.<\/p>\n<p>Having the proper <a href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/\">auto insurance<\/a> for your teen is crucial. Young drivers are more likely to be involved in accidents due to their inexperience, and having the right coverage ensures they are protected on the road. Proper coverage not only safeguards your teen in the event of an accident but also helps avoid potentially high out-of-pocket costs for damages or injuries. It\u2019s essential to choose a policy that provides comprehensive <a href=\"https:\/\/www.acceptanceinsurance.com\/blog\/affordable-car-insurance-for-first-time-drivers\/\">coverage for first-time drivers<\/a>. If you&#8217;re searching for the best options for your teen or have any <a href=\"https:\/\/www.acceptanceinsurance.com\/blog\/common-questions-about-auto-insurance\/\">questions about coverage<\/a>, Acceptance agents offer affordable teenage car insurance options and are ready to walk you through every step.<\/p>\n    <\/div>\n    \n\n<div class=\"o-component s-cms-content\">\n            <picture>\n            <source media=\"(min-width: 700px)\" srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/03\/img-intern-car-insurance-2@2x-103.webp 1x, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/03\/img-intern-car-insurance-2@2x-103@2x.webp 2x\">\n            <img decoding=\"async\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/03\/img-intern-car-insurance-2@2x-109.webp\" alt=\"Teen girls driving in a car\" srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/03\/img-intern-car-insurance-2@2x-109@2x.webp 2x\" loading=\"lazy\" width=\"320\" height=\"142\">\n        <\/picture>\n    <\/div>\n\n<!-- id=\"general_text-block_ad48a2f5833ff8690ef624997c7bd3ef\" -->\n        <div class=\"o-component s-cms-content\">\n        <h3>What Car Insurance for Young Drivers Entails<\/h3>\n<p>Car coverage for teens provides the same basic coverage that all drivers require\u2014liability, collision, and comprehensive coverage\u2014but with additional considerations. Since teenagers are new to driving and lack experience, they\u2019re considered <a href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/high-risk-auto-insurance\/\">high-risk drivers<\/a>, which often results in higher premiums.<\/p>\n<p>When looking for teenager auto coverage, keep in mind that coverage is designed to protect both the young driver and the vehicle in case of accidents, theft, or damages. While most states require liability coverage by law, except for New Hampshire and Virginia, many parents choose to add extra coverage to ensure their young drivers are fully protected on the road.<\/p>\n    <\/div>\n    \n\n        <div class=\"o-component c-quote-callout\"  id=\"general-quote-callout-block_e81688c129be88d20512ea7623a4fc78\"\n            >\n            <picture class=\"c-quote-callout__pic\">\n                                    <source media=\"(min-width: 700px)\" srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/04\/QuickQuote-Desktop-12-1.webp 1x, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/04\/QuickQuote-Desktop-12@2x-1.webp\">\n                                                    <img decoding=\"async\" loading=\"lazy\" class=\"c-quote-callout__img\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/04\/QuickQuote-Mobile-12-1.webp\"\n                    alt=\"\" aria-hidden=\"true\"\n                    srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/04\/QuickQuote-Mobile-12@2x-1.webp 2x\"\n                    width=\"320\" height=\"192\">\n                            <\/picture>\n            <div class=\"c-quote-callout__content\">\n                <h2 class=\"c-quote-callout__title\">Ready to Get a Quick Quote? <\/h2>\n                <form class=\"c-quote-callout-form js-form form ajax-quote-form-new\" method=\"GET\"\n                    action=\"https:\/\/www.acceptanceinsurance.com\/process-rater\/\">\n\n                    <div class=\"c-quote-callout-form__item c-quote-callout-form__item--select\">\n                        <label class=\"c-quote-callout-form__label\"\n                            for=\"typeOfInsurance\">Type of Insurance<\/label>\n\n                        <select class=\"c-quote-callout-form__select\" id=\"typeOfInsurance\" name=\"type_insurance\">\n                                                                                                                <option value=\"A\" >\n                                Auto Insurance<\/option>\n                                                                                    <option value=\"BT\" >\n                                Boat Insurance<\/option>\n                                                                                    <option value=\"HE\" >\n                                Health Insurance<\/option>\n                                                                                    <option value=\"B\" >\n                                Business Insurance<\/option>\n                                                                                    <option value=\"CI\" >\n                                Commercial Auto Insurance<\/option>\n                                                                                    <option value=\"H\" >\n                                Homeowners Insurance<\/option>\n                                                                                    <option value=\"L\" >\n                                Life Insurance<\/option>\n                                                                                    <option value=\"MAI\" >\n                                Mexican Car Insurance<\/option>\n                                                                                    <option value=\"M\" >\n                                Motorcycle Insurance<\/option>\n                                                                                    <option value=\"MRH\" >\n                                Motorhome and RV Insurance<\/option>\n                                                                                    <option value=\"PET\" >\n                                Pet Insurance<\/option>\n                                                                                    <option value=\"R\" >\n                                Renters Insurance<\/option>\n                                                                                    <option value=\"RA\" >\n                                Roadside Assistance<\/option>\n                                                                                    <option value=\"SR\" >\n                                SR-22 Auto Insurance<\/option>\n                                                                                    <option value=\"TM\" >\n                                Telemedicine<\/option>\n                                                                                    <option value=\"HI\" >\n                                Travel Club &#8211; Hospital Indemnity<\/option>\n                                                    <\/select>\n                    <\/div>\n                    <div class=\"c-quote-callout-form__item c-quote-callout-form__item--zipcode\">\n                        <label class=\"c-quote-callout-form__label\" for=\"zip\">Zip Code<\/label>\n                        <input class=\"c-quote-callout-form__input  js-floting-input js-valid-numbers js-valid-zipcode\"\n                            id=\"zip\" type=\"text\" required inputmode=\"numeric\" autocomplete=\"postal-code\" name=\"zipcode\"\n                            maxlength=\"5\" minlength=\"3\">\n                    <\/div>\n                    <div class=\"c-quote-callout-form__controls\">\n                        <button class=\"c-button c-button--orange c-quote-callout-form__submit\"\n                            type=\"submit\">Start My Quote                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/themes\/acceptance\/assets\/images\/components\/inputs\/loading.svg\"\n                                alt=\"Loading\" width=\"30\" height=\"30\">\n                        <\/button>\n                    <\/div>\n                <\/form>\n            <\/div>\n        <\/div>\n        \n\n<!-- id=\"general_text-block_cf5d33d60e86dd0e72557b55faca0232\" -->\n        <div class=\"o-component s-cms-content\">\n        <h3>Why Teens and Young Drivers Require Specific Insurance Coverage<\/h3>\n<p>Young drivers are statistically more likely to be involved in accidents due to their inexperience. Distractions, unfamiliarity with road conditions, and risk-taking contribute to these higher accident rates. Because of this, insurers consider these drivers a higher liability, leading to increased premiums.<\/p>\n<p>Young driver insurance providers account for these risks by offering coverage options tailored to the needs of teenage drivers. <a href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/cheap-full-coverage-car-insurance\/\">Full coverage plans<\/a>, for example, provide more comprehensive protection for both the driver and the vehicle, offering peace of mind for parents.<\/p>\n    <\/div>\n    \n\n<!-- id=\"general_text-block_a3d7d21161fc8923d83c8718ac59c3cb\" -->\n            <h2 class=\"c-section__title c-section__title--left\">Auto Insurance for Teens<\/h2>\n        <div class=\"o-component s-cms-content\">\n        <p>Auto insurance for new drivers includes coverage options specifically designed to meet their unique needs. Since they\u2019re just starting out behind the wheel, their coverage should be comprehensive enough to offer protection in a variety of situations. Here are some important considerations and options to keep in mind when choosing the right policy for your young driver.<\/p>\n    <\/div>\n    \n\n<div class=\"o-component s-cms-content\">\n            <picture>\n            <source media=\"(min-width: 700px)\" srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/10\/shutterstock_1985572469.jpg 1x, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/10\/shutterstock_1985572469@2x.jpg 2x\">\n            <img decoding=\"async\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/10\/shutterstock_1985572469-1.jpg\" alt=\"A Young black teenage driver seated in her new car with her mother\" srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/10\/shutterstock_1985572469@2x-1.jpg 2x\" loading=\"lazy\" width=\"320\" height=\"142\">\n        <\/picture>\n    <\/div>\n\n<!-- id=\"general_text-block_a25b7f24ab19a219b6f1008aba8d2863\" -->\n        <div class=\"o-component s-cms-content\">\n        <h3>Full Coverage Car Insurance Options for Teens and Young Drivers<\/h3>\n<p>Should you <a href=\"https:\/\/www.acceptanceinsurance.com\/blog\/should-i-add-teenager-to-insurance-policy\/\">add a teen driver to your policy or buy a separate policy for them?<\/a> Having the right car insurance is key to staying protected on the road. Some of your decision will rest on the state laws where you live. For example, <a href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/texas\/\">Texas<\/a> requires a minimum of $30,000 per person for bodily injury, $60,000 per accident, and $25,000 for property damage, but this coverage only helps to pay for damages and injuries if your teen is at fault. It doesn&#8217;t cover their own vehicle or injuries. That\u2019s where full coverage comes in\u2014it\u2019s more comprehensive and important for younger, less experienced drivers. Full coverage usually includes:<\/p>\n<ul>\n<li><strong>Liability Insurance: <\/strong>Covers medical and repair expenses for the other party if your teen is at fault in an accident.<\/li>\n<li><strong>Collision Coverage: <\/strong>Pays for damages to the vehicle after an accident, regardless of fault.<\/li>\n<li><strong>Comprehensive Coverage<\/strong>: Protects against non-collision incidents such as theft, vandalism, or damage from natural disasters.<\/li>\n<\/ul>\n    <\/div>\n    \n\n<!-- id=\"general_text-block_936b4db40c91e1675180539a33abb7a5\" -->\n        <div class=\"o-component s-cms-content\">\n        <h3>Choosing the Right Policy<\/h3>\n<p>When it comes to insuring your teenager, finding the right balance between solid coverage and a reasonable price is key. Teen drivers are often seen as higher risk, so it&#8217;s important to carefully consider their specific needs. Luckily, understanding the basics of coverage options can help you make a smart choice without overspending. Here are a few tips to guide you in picking the best policy for your teenager:<\/p>\n<ul>\n<li><strong>Evaluate driving habits:<\/strong> If the young driver is driving often, full coverage may offer more protection. If they\u2019re driving less frequently, liability insurance may be enough.<\/li>\n<li><strong>Consider the car\u2019s value: <\/strong>If they\u2019re driving an older, less valuable car, liability coverage might be sufficient. For newer vehicles, full coverage could be the better option.<\/li>\n<li><strong>Look for discounts:<\/strong> Many insurers offer discounts for those who complete driver\u2019s education courses, maintain good grades, or drive vehicles with safety features. These discounts can help offset the cost of coverage for young drivers.<\/li>\n<\/ul>\n    <\/div>\n    \n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<div class = \"c-section c-section--bg-blue-light\">\n    <div class = \"o-wrapper o-wrapper--small\">\n         \n            <h2 class=\"c-section__title c-section__title--left\">Types of Auto Insurance Coverage<\/h2>\n                            <div class=\"c-icons-grid\">\n                <ul class=\"o-list-bare c-icons-grid__list\">\n                                                                    <li class=\"o-list-bare__item c-icons-grid__item\">\n                            <picture class=\"c-icons-grid__pic\">\n                                <source srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-bad-credit-auto.svg, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-bad-credit-auto.svg 2x\">\n                                <img decoding=\"async\" class=\"c-icons-grid__img\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" alt=\"\" width=\"60\" height=\"60\" aria-hidden=\"true\" loading=\"lazy\">\n                            <\/picture>\n                            <span><a href=\"https:\/\/acceptance.confiedevstg.com\/our-products\/auto-insurance\/bad-credit-auto-insurance\/\" target=\"_blank\" rel=\"noopener\">Bad Credit<\/a><\/span>\n                        <\/li>\n                                                                    <li class=\"o-list-bare__item c-icons-grid__item\">\n                            <picture class=\"c-icons-grid__pic\">\n                                <source srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-high-risk.svg, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-high-risk.svg 2x\">\n                                <img decoding=\"async\" class=\"c-icons-grid__img\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" alt=\"\" width=\"60\" height=\"60\" aria-hidden=\"true\" loading=\"lazy\">\n                            <\/picture>\n                            <span><a href=\"https:\/\/acceptance.confiedevstg.com\/our-products\/auto-insurance\/high-risk-auto-insurance\/\" target=\"_blank\" rel=\"noopener\">High Risk<\/a><\/span>\n                        <\/li>\n                                                                    <li class=\"o-list-bare__item c-icons-grid__item\">\n                            <picture class=\"c-icons-grid__pic\">\n                                <source srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/4307059_coverage_health_healthcare_insurance_life_icon-1.svg, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/4307059_coverage_health_healthcare_insurance_life_icon-1.svg 2x\">\n                                <img decoding=\"async\" class=\"c-icons-grid__img\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" alt=\"\" width=\"60\" height=\"60\" aria-hidden=\"true\" loading=\"lazy\">\n                            <\/picture>\n                            <span><a href=\"https:\/\/acceptance.confiedevstg.com\/our-products\/auto-insurance\/liability-auto-insurance\/\" target=\"_blank\" rel=\"noopener\">Liability<\/a><\/span>\n                        <\/li>\n                                                                    <li class=\"o-list-bare__item c-icons-grid__item\">\n                            <picture class=\"c-icons-grid__pic\">\n                                <source srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-non-owner-auto.svg, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-non-owner-auto.svg 2x\">\n                                <img decoding=\"async\" class=\"c-icons-grid__img\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" alt=\"\" width=\"60\" height=\"60\" aria-hidden=\"true\" loading=\"lazy\">\n                            <\/picture>\n                            <span><a href=\"https:\/\/acceptance.confiedevstg.com\/our-products\/auto-insurance\/non-owner-auto-insurance\/\" target=\"_blank\" rel=\"noopener\">Non-Owner<\/a><\/span>\n                        <\/li>\n                                                                    <li class=\"o-list-bare__item c-icons-grid__item\">\n                            <picture class=\"c-icons-grid__pic\">\n                                <source srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-non-standard.svg, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-non-standard.svg 2x\">\n                                <img decoding=\"async\" class=\"c-icons-grid__img\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" alt=\"\" width=\"60\" height=\"60\" aria-hidden=\"true\" loading=\"lazy\">\n                            <\/picture>\n                            <span><a href=\"https:\/\/acceptance.confiedevstg.com\/our-products\/auto-insurance\/non-standard-auto-insurance\/\" target=\"_blank\" rel=\"noopener\">Non-Standard<\/a><\/span>\n                        <\/li>\n                                                                    <li class=\"o-list-bare__item c-icons-grid__item\">\n                            <picture class=\"c-icons-grid__pic\">\n                                <source srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-senior-auto.svg, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-senior-auto.svg 2x\">\n                                <img decoding=\"async\" class=\"c-icons-grid__img\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" alt=\"\" width=\"60\" height=\"60\" aria-hidden=\"true\" loading=\"lazy\">\n                            <\/picture>\n                            <span><a href=\"https:\/\/acceptance.confiedevstg.com\/our-products\/auto-insurance\/senior-auto-insurance\/\" target=\"_blank\" rel=\"noopener\">Senior<\/a><\/span>\n                        <\/li>\n                                                                    <li class=\"o-list-bare__item c-icons-grid__item\">\n                            <picture class=\"c-icons-grid__pic\">\n                                <source srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/SR-22.svg, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/SR-22.svg 2x\">\n                                <img decoding=\"async\" class=\"c-icons-grid__img\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" alt=\"\" width=\"60\" height=\"60\" aria-hidden=\"true\" loading=\"lazy\">\n                            <\/picture>\n                            <span><a href=\"https:\/\/acceptance.confiedevstg.com\/our-products\/auto-insurance\/sr-22-auto-insurance\/\" target=\"_blank\" rel=\"noopener\">SR-22<\/a><\/span>\n                        <\/li>\n                                                                    <li class=\"o-list-bare__item c-icons-grid__item\">\n                            <picture class=\"c-icons-grid__pic\">\n                                <source srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-teenager-auto.svg, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-teenager-auto.svg 2x\">\n                                <img decoding=\"async\" class=\"c-icons-grid__img\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" alt=\"\" width=\"60\" height=\"60\" aria-hidden=\"true\" loading=\"lazy\">\n                            <\/picture>\n                            <span><a href=\"https:\/\/acceptance.confiedevstg.com\/our-products\/auto-insurance\/teenager-auto-insurance\/\" target=\"_blank\" rel=\"noopener\">Teenager<\/a><\/span>\n                        <\/li>\n                                    <\/ul>\n            <\/div>\n            <\/div>\n<\/div>\n\n\n<div class=\"c-section  \" >\n    <div class=\"o-wrapper o-wrapper--small\">\n        <div class=\"c-section__content\">\n\n<!-- id=\"general_text-block_5ca1d22c09392cce308c3441beba8903\" -->\n            <h2 class=\"c-section__title c-section__title--left\">Factors Affecting Teen Car Insurance Rates<\/h2>\n        <div class=\"o-component s-cms-content\">\n        <p>Ever wonder why insuring a teen driver feels like a big hit to your wallet? It\u2019s not just about being new to the road. The risks that come with young drivers, like higher accident rates and riskier behaviors, really drive up the costs. But don\u2019t worry, there are ways to manage the price. Once you know what factors are influencing those higher rates, you can make smart moves to keep costs in check without skimping on coverage. Some factors include:<\/p>\n<ul>\n<li><strong>Age and Gender:<\/strong> Younger drivers, particularly males, tend to have higher premiums due to higher accident rates.<\/li>\n<li><strong>Driving Record:<\/strong> Any traffic violations or accidents can lead to higher premiums. To keep a young driver, record clean, be sure to share <a href=\"https:\/\/www.acceptanceinsurance.com\/blog\/top-safe-driving-tips-for-teens\/\">safe driving tips<\/a> before they hit the road.<\/li>\n<li><strong>Vehicle Type: <\/strong>The type of car they drive impacts coverage costs. Safer, more affordable cars tend to have lower premiums, while luxury or high-performance vehicles cost more to insure.<\/li>\n<li><strong>Location: <\/strong>Where you live matters\u2014urban areas with higher traffic often mean higher premiums.<\/li>\n<li><strong>Coverage Level:<\/strong> Full coverage costs more than liability-only, but it provides more comprehensive protection.<\/li>\n<\/ul>\n    <\/div>\n    \n\n<div class=\"o-component s-cms-content\">\n            <picture>\n            <source media=\"(min-width: 700px)\" srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/10\/shutterstock_2390913259.png 1x, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/10\/shutterstock_2390913259@2x.png 2x\">\n            <img decoding=\"async\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/10\/shutterstock_2390913259-1.png\" alt=\"Young Worried Teenage Female Driver Looking at Damaged Car After Accident\" srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/10\/shutterstock_2390913259@2x-1.png 2x\" loading=\"lazy\" width=\"320\" height=\"142\">\n        <\/picture>\n    <\/div>\n\n<!-- id=\"general_text-block_9abbe19d0b78ed9cef6c8bfbb0126cea\" -->\n            <h2 class=\"c-section__title c-section__title--left\">Saving on Teenager Car Insurance<\/h2>\n        <div class=\"o-component s-cms-content\">\n        <p>Saving on coverage for your young driver doesn\u2019t have to be a headache. Sure, rates can be high, but there are plenty of ways to cut down the cost without losing out on coverage. From scoring discounts to picking the right coverage options, here are some simple strategies to help you save on teen car insurance:<\/p>\n<ul>\n<li><strong>Good Student Discount: <\/strong>Many insurers offer discounts for those who maintain a high GPA. Keeping up good grades can lead to significant savings.<\/li>\n<li><strong>Driver\u2019s Education and Safety Courses:<\/strong> Completing a driver\u2019s education or defensive driving course can help lower premiums. These courses show that they are committed to being a safe driver.<\/li>\n<li><strong>Bundle Policies:<\/strong> If you already have car coverage, adding your teen to your existing policy is often cheaper than buying a separate policy. Many companies offer discounts for bundling auto coverage with other policies like <a href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/homeowners-insurance\/\">home insurance<\/a> or <a href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/renters-insurance\/\">renters coverage<\/a>.<\/li>\n<li><strong>Increase Deductibles:<\/strong> Opting for a higher deductible can lower your monthly premium. Just make sure you\u2019re able to cover the deductible in case of an accident.<\/li>\n<li><strong>Choose a Safe Vehicle:<\/strong> Cars with good safety ratings and features like anti-lock brakes or airbags tend to have lower premiums.<\/li>\n<li><strong>Limit Coverage:<\/strong> When driving older vehicles, liability-only coverage may be enough. This won\u2019t cover damage to the car but can significantly reduce costs.<\/li>\n<\/ul>\n    <\/div>\n    \n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div class=\"o-wrapper o-wrapper--small\" id=\"carrer-get-callout-block_a5eca6c04b1a2e2649ff43f7634a02d7\">\n        <div class=\"c-get-callout\">\n                            <h2 class=\"c-section__title c-section__title--blue\">Get A Free Quote for Affordable Teen Driver Insurance at Acceptance Insurance<\/h2>\n                                        <div class=\"o-component s-cms-content s-cms-content--center\">\n                    <p>If your young driver is wanting to take the wheel, your <a href=\"https:\/\/www.acceptanceinsurance.com\/blog\/do-young-drivers-need-car-insurance\/\">teen will need coverage<\/a>. Protecting them on the road doesn\u2019t have to be complicated or costly. At Acceptance Insurance, we offer affordable, comprehensive coverage options tailored to your needs and your budget. Whether you\u2019re looking for full coverage or liability insurance, we\u2019re here to help.<\/p>\n<p>Get a free <a href=\"#modal-turbo\">quote online<\/a>, visit a <a href=\"https:\/\/cerebro-acceptance.confiedev.com\/\" target=\"_blank\" rel=\"noopener\">local office<\/a>, or call us at <a href=\"tel:877-405-7102\">877-405-7102<\/a> today. Start securing peace of mind with the right protection for you and your young driver!<\/p>\n                    \n                <\/div>\n                                                            <ul class=\"o-component o-list-bare c-get-callout__list\">\n                                                                                                                            <li class=\"o-list-bare__item c-get-callout__item\">\n                                <button class=\"c-get-callout__link js-quote-modal-button\" aria-expanded=\"false\" aria-controls=\"modalQuote\">\n                                    <img decoding=\"async\" class=\"c-get-callout__img\" loading=\"lazy\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/03\/Group-625600.svg\" alt=\"\" width=\"80\" height=\"80\" aria-hidden=\"true\">\n                                    <div class=\"c-get-callout__text\">Quote online<\/div>\n                                <\/button>\n                     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                                                <img decoding=\"async\" class=\"c-section__title-img\" loading=\"lazy\" alt=\"Teenager Auto Insurance\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-teenager-auto.svg\" alt=\"\" width=\"60\" height=\"60\" aria-hidden=\"true\">\n                                                Frequently Asked Questions About Insuring a New Driver \n                    <\/h2>\n                    <div class=\"c-faqs__questions\">\n                                                                                                                <div class=\"c-faqs-index\">\n                                    <h3 class=\"c-faqs-index__title\"><\/h3>\n                                                                            <ul class=\"o-list-bare c-faqs-index__list\">\n                                            \n                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question1\">Are There Specific Policy Features That Are Beneficial for Teens?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question2\">At What Age Will My Teen&#8217;s Insurance Rate Decrease?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question3\">Can a Teen Be Added to A Parent&#8217;s Car Insurance Policy?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question4\">What Are the Possible Benefits of Having a Separate Policy for a Teenage Driver?<\/a>\n                                                <\/li>\n                                                                                                                                            <li class=\"o-list-bare__item c-faqs-index__item\">\n                                                    <a class=\"c-faqs-index__link\" href=\"#question5\">Should Teens Get Full Coverage or Liability-Only Insurance?<\/a>\n                                                <\/li>\n                                                                                                                                    <\/ul>\n                                                                    <\/div>\n                                                        <div class=\"c-faqs-answers\">\n                                                                                                    <div class=\"c-faqs-answers__sub-category\">\n                                                                                \n                                            \n                                                                                    <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question1\">Are There Specific Policy Features That Are Beneficial for Teens?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>Yes, there are a few policy features that can be especially helpful for young drivers, such as accident forgiveness and roadside assistance. Accident forgiveness can prevent a first-time accident from drastically raising premiums, and roadside assistance provides peace of mind for both parents and teenagers in case of vehicle issues.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question2\">At What Age Will My Teen&#8217;s Insurance Rate Decrease?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>Young driver rates generally decrease as they gain driving experience and maintain a clean record. Rates typically start to go down around age 25, assuming the driver avoids accidents or violations.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question3\">Can a Teen Be Added to A Parent&#8217;s Car Insurance Policy?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>Yes, adding an inexperienced driver to a parent\u2019s policy is usually more affordable than getting them a separate policy. This approach spreads the risk across all drivers in the household and can lead to savings compared to standalone teenager auto insurance policies.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question4\">What Are the Possible Benefits of Having a Separate Policy for a Teenage Driver?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>A separate policy for your child can be useful in cases where the young driver owns the car outright. It can also help prevent the parent&#8217;s insurance from being affected by any claims or accidents involving them. However, separate policies tend to be more expensive.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                                <div class=\"c-faqs-answers__answer\">\n                                                <h3 class=\"c-faqs-answers__question\" id=\"question5\">Should Teens Get Full Coverage or Liability-Only Insurance?<\/h3>\n                                                <div class=\"c-faqs-answers__text\">\n                                                    <div class=\"s-cms-content\">\n                                                        <p>Deciding between full coverage and liability-only depends on the value of the car and how much financial protection you want. Liability-only is cheaper and covers damage to others&#8217; property, while full coverage also protects your teen\u2019s vehicle. If the car is newer, full coverage may be worth the extra cost.<\/p>\n                                                    <\/div>\n                                                <\/div>\n                                            <\/div>\n                                                                                                                            \n                                    <\/div>\n                                                            <\/div>\n                                            <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n        <\/div>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":0,"parent":1822,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/1444"}],"collection":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/comments?post=1444"}],"version-history":[{"count":59,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/1444\/revisions"}],"predecessor-version":[{"id":10192,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/1444\/revisions\/10192"}],"up":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/1822"}],"wp:attachment":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/media?parent=1444"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}