Driving is a milestone for many teenagers, but the premiums are commonly higher. Figures show young drivers are four times more likely to be in an accident. Here are some tips to get cheap auto insurance in Illinois for your young drivers.
Consider the Model
Your teen may have their eyes set on a sports model, but sports cars cost more to insure. Sports cars have more expensive parts, run at higher speeds, and are associated with riskier drivers.
While each provider defines sports cars differently, it commonly means vehicles with a high-performance engine and two seats. It sometimes helps to buy current models that have anti-theft devices and safety features, such as anti-lock brakes.
Student Discounts
Some providers offer insurance discounts up to 20% for teen drivers who maintain a certain grade point average. While the average may vary among providers, they commonly must maintain a B average.
To get the discount, submit current grade transcripts and proof of full-time enrollment in school. Some providers offer an away-at-school discount, meaning they get discounts if they don’t use a vehicle.
Safe Driving Discounts
Students who take safe driving courses may get up to a 20% discount on premiums, though eligibility varies. These programs are commonly designed for drivers under 25 and drivers over 60 since they are considered high-risk.
Encourage your young driver to follow traffic laws and keep a clean driving record. Some providers have other criteria for safe driver discounts, such as no claims for a time period.
It is possible to get cheap auto insurance in Illinois for young drivers. To get a free quote, visit Accurate Auto Insurance and fill out the form.
