Cheap Indiana Car Insurance Quotes For Teens

Reader’s Question:

We tried looking for car insurance for my teen but all of them are expensive. How can we get cheap insurance for teens here in Indiana?

Jenny

Indianapolis, IN

 

Statistically, teen has the worst driving record of all the age group. This is the reason why car insurance companies consider teen as high risk thus getting high priced insurance quotes.

Here are some tips to make get car insurance quotes for teens.

• Increase their deductible – If you raise your teen’s deductible from $100 to $500, you can get up to 10% to 20% discount.
• Choose safe cars – sports car and high performance car are more expensive to insure. Choose safe and cheap cars.
• Place your young driver on your policy – This is much cheaper than a teen getting his/her own
• Have your teenager take driver’s defensive course – This can actually save you 10% to 15% on their insurance and will give you a little peace of mind.
• Good grades – Your teen can get cheap Indiana car insurance if they take can get good student discount if they do good in school.
• Have them share the payment- This will teach them to be more responsible
• Obtain multiple quotes – the exact same auto insurance with various insurers can differ as much as $1,000 a year.
• Shop online – This is the best way to get insurance quotes. This is the quickest and easiest way to compare rates and get auto insurance for your teen.

Moving Violations And Auto Insurance Rates

Reader’s Question:

I got a ticket here in Indiana because of failure to properly use the restraints on my child’s car seat, how would this affect my auto insurance?

Carl H.

Fort Wayne, IN

Definitely, any kind of moving violations or driving offenses can cause your auto insurance rates there in Indiana to significantly increase. Some might be surprised that this is considered a violation, but it is, just as beating a red light, not wearing a seatbelt, speeding and reckless driving are considered to be moving violations. Even Non-Moving violations such as driving with an expired registration, suspended license, parking tickets and lack of insurance coverage would definitely cause an auto insurance company to charge you higher rates.

The amount of increase on your premiums would depend on your insurance carrier, so it would be difficult to make accurate comparisons depending on the violation. It would be wise to avoid getting further violations in the future as this would only cause your rates to escalate further.

You may be glad to know that there are still ways to compensate for higher auto insurance rates. Here are a few suggestions:

1. Sign up for Defensive driving lessons. Not only would you pick up on valuable skills to stay safe while on the road, you would also be entitled to discounts on your policy.

2. Increasing your auto insurance deductible will help bring down your regular premiums.

3. You will spend less on auto insurance if you consider driving an older, less expensive, or second-hand vehicle. You can even drop collision coverage all-together to save you more money on premiums.