What Are the Best Auto Insurance Options for My Teenager?

It's no secret that teenage drivers are generally not as great as adult drivers on the road. In fact, teenagers get in accident 6 times more often than adult drivers. Due to this, insurance is an important thing to pay attention to for your teenager. The most important thing is to have comfort in knowing that your child's car will be taken care of in an affordable, yet professional manner, if they ever get into a car accident. Here are a few options for the best auto insurance for teenagers, which are easy on your wallet while still providing the coverage that you desire.

Allstate Teen Insurance
Allstate has a great teen driver program, which focuses on a parent-teen driving contract. The parent and the teen decide on agreements for certain actions, like talking on a cellphone while driving and having a curfew, set limits on these actions (or ban them altogether), and finally make consequences if the teen driver breaks any part of the contract. Allstate insurance has taken a great initiative with teen driving safety, and their website http://www.allstateteendriver.com outlines all of their efforts to keep teens safe.

Statefarm Teen Insurance
Statefarm offers two great opportunities for students to save on car insurance. The first is the 'Good Student Discount', which rewards students who get good grades by reducing the auto insurance cost. This is a great incentive because, for students with lower grades, it is good motivation to increase grades if they are paying for their insurance, and for students with higher grades, it's a greater incentive to keep up the good work. Another highlight of auto insurance for teenagers at Statefarm is the Steer Clear Safe Driver Discount, which is also pointed towards students. It is an extra refresher course that, when completed, gives an extra discount to those 25 and under. The course can be completed with a kit, on a computer, or even on the iPhone.

Progressive Teen Insurance
Besides offering an online directory with information on auto insurance for teens, Progressive also offers student discounts when applicable. In the online directory, Progressive help walk teenagers through the insurance process, explaining each step. Also, they give tips on safe driving and keeping your cool. For example, one page offers tips on how to avoid road rage and calm yourself down when it inevitably happens. Another page explains all of the information needed in order to get a quote and figure out how much the auto insurance will cost for the teenager. Specifically, besides the general student benefits, Progressive doesn't add any special features or benefits for their auto insurance for teenagers

Liberty Mutual Teen Insurance
Liberty Mutual is very straightforward on its website, http://www.libertymutualteendriving.com , on explaining what a teen and their parent can do to make sure they get the best teen auto insurance value. Liberty Mutual also offers student advantages, where if a student has good grades, they can get up to a 35% discount on their insurance. The amount of the discount varies depending on the grades of the teenager. Liberty Mutual insurance also tells all the specific ways a teenager can save on auto insurance, which is very helpful to have in one condensed area.

Geico Teen Insurance
Geico is yet another student-rewarding insurer, offering discounts for taking a driver's education class and getting good grades. If the teen driver took a driver's education class, then they are eligible for a discount on their auto insurance. Also, if they get a B-average or higher, they receive another discount. Geico does not offer any other specific teen benefits or tips, meaning the only thing that could make Geico the best teen auto insurance choice is the price of the insurance.

You have the information now; use it to figure out which insurance plans and benefits are right for your teenager, ensuring their safety and saving as much money as possible.

Philip Reed, Auto Insurance for Teenage Drivers, Edmunds.com.
Geico, Geico.com, Geico.
Progressive, Progressive.com, Geico.com.
Liberty Mutual, libertymutual.com.com, Liberty Mutual.
Allstate, Allstate.com, Allstate.com.