There are a number of discounts that apply to teenage drivers that parents should be aware of including:

• A good grade discount. Many car insurance companies recognize academic achievement and offer a discount to teenagers who maintain good grades. Obviously proof of this will need to be shown in order to qualify. This can be a great motivator for the child too, as they’ll want to do better in school in order to keep costs down.
• A four door car as opposed to a two door car discount. Some car insurance companies will offer cheaper rates to teenagers who drive sedans as opposed to coupes. This is a discount that should be asked about while getting a quote.
• Remove the collision and comprehensive coverage. If your son or daughter is a good driver, and the car they primarily drive is many years old, the comprehensive and collision coverage can usually be removed. This saves everyone in the family money. If a parent isn’t comfortable with this they can just raise the deductible which will help lower premiums too.

Some parents have an agreement in place with their teens that states that the youngster must pay for a portion of the car insurance, fuel costs and all citations. This usually helps to remind the teenager that although driving is really fun, it’s not free.

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