Auto insurance companies typically feel that teenage drivers pose a higher risk because of their young age and lack of driving experience. This higher risk generally leads to increased car insurance rates for teens. In this post, Long Island Insurance Executive, Gregg S. Marcus, lists 5 ways teenage drivers can take to find lower car insurance rates.

1. Consider a higher deductible
Increasing the deductible to $500 or $1, 000 can save you 10-20 percent on your premium. You will want to decide if you can afford the out-of-pocket costs in the event that your teenager gets into an accident.
2. Student and course discounts
If you have a B or better grade point average, let your insurance company know. Insurers will often offer good-student discounts, which typically range from 5-10 percent. Studies have shown a correlation between good students and responsible driving. You should also take a defensive driving course, which will help you to gain experience on the road and it will offer discounts of up to 15 percent. Many insurers will also reduce rates for students attending a school at least 100 miles away from home and who don’t have a car on campus.
3. Car choices
Of course you want the newest sports car, but the insurance rates on a safe and stodgy used vehicle will be much better on your wallet. It will be less likely to be stolen and probably rate better in crash tests. Your premiums will reflect these lower rates. You may also consider a vehicle that will only require liability insurance. The less coverage you purchase, the less of a risk you are to an insurance company resulting in lower rates.
4. Get a quote to be added on your parent’s policy
Being added onto your family policy may be the best way to find the lowest rates. Depending on if there are higher-end vehicles already on the policy, check to make sure the insurance company can assign you to to the lower-end vehicle that you will be driving.
5. Safety first!

Ultimately, establishing a good driving record will be your best protection against sky-high insurance rates. Traffic violations and accidents will directly affect your insurance premiums. The longer you avoid accidents or traffic tickets, the more you will be able to negotiate lower rates.
If you live in Nassau County or Suffolk County on Long Island in New York and you are a teenage driver needing car insurance, contact Gregg S. Marcus today for a quote. He may be able to save you hundreds on your car insurance policy!