It's coming. The moment you knew you would have to face, and the moment your teenager has been dreaming about. It's their 16th birthday. While as a parent, you never stop worrying about your child, now you have a whole new set of worries - driving.

One of the most common conversations I have with clients is about their teen as a driver.  You can usually tell it by the look on their face as they set foot in my office before they even utter the words - "My son/ daughter just turned 16." Followed by the words - "What is this going to cost me?"

We’ve all heard the horror stories.  Your friends will warn you about the hundreds and even thousands of dollars they’re spending to let their kids drive.  But there are a lot of misconceptions about having a teenage driver. And yes, while you do have an inexperienced operator on your policy, there are lots of things you can do to help soften the blow of any additional costs.


With a little bit of knowledge and planning you can drastically cut your costs.  Some of which can be done even before junior is allow to drive on his own. Here are some of the steps you can take.


  1. Buy an older car for cash.  Yes, I said it, get a hoopdie. Not something falling apart of course, but something that is reliable but older to get your son or daughter back and forth to school or afterschool activities. Of course, a hoopdie probably wasn't in the master plan that your teenager has concocted in their mind especially when their friends see them pulling up in it at school, but it’s the best way to keep your insurance manageable. And remind them that at the end of the day, four wheels are better than two wheels that you have to pedal. Liability only coverage is much more affordable than full coverage with comprehensive and collision. With an older car, the liability and personal injury coverage will be enough.

  2. Sign your teen up for driver training courses.  Driver's Education and other training programs - such as defensive driving qualify your teenager for additional discounts!  Just get a copy from the course and bring it in when you add your new driver. Driver's Education can be as much as a 20% discount, and defensive driving can be an additional 10% on top of that.

  3. Make sure your teen is getting good grades. You can even reward your teen with a gas card for getting a "B" or above average. Trust me, in the long run, a $25 gas card will save you potentially hundreds. Not to mention make it easier to get into the college of your teen's choice when the time comes. The insurance companies see good grades as a reflection of a more responsible driver. You must be a full time student , 25 or younger - college counts too! Drop off a copy of your teenager’s latest report card  at our office and see if they qualify.

  4. "Snapshot" - You've heard of that probably on TV with Progressive. It's a small plastic piece that plugs into your car's diagnostic module on the steering column. No, it's not big brother, and you don't have to do it, but it can save you up to 30% on your or your teen's car insurance. What does it look for? Hard braking - are you slamming on the brakes constantly? How many miles your teen drives. Probably not a lot if they are going to and from school. And lastly, how often you drive between midnight and 4am. Well, they should be home at that time anyway, so that shouldn't be an issue. Curious about more information about Snapshot? Call or visit us online today! You or your teen can test-drive Snapshot for 30 days for free, without even being a Progressive customer to see how much you could save.


Yes, young drivers will raise your insurance costs, but  in reality, so could any driver. Having a teen on your policy doesn’t have to be terrible and it is better to make sure you have the right coverage and are protecting everyone in your family by adding them to the policy. 

If you are curious as to the discounts available or what adding your teen to your policy will look like, schedule an appointment to sit down and discuss your policy specifically.  We’ll review all of your options and any discounts you can qualify for.  We specialize in Teen Drivers Car Insurance for New Windsor, Long Island, and New York Call us at 888-565-2212 today or visit us online

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