Getting car insurance for a young driver can be expensive due to their lack of driving experience, so a separate policy may not be the best option. In most cases, it's cheaper to add your current car insurance policy to your current car insurance policy. The coverages and limits of your policy will be extended to your teen driver, and some insurers, including Progressive, offer discounts to help offset the cost of insuring a new driver. Since you already own the policy, you can easily add and update coverages to ensure that your teen driver has adequate protection.
If you add your teen driver to your car insurance policy, they'll benefit from the same protection as you. All covered drivers have access to all the vehicles listed in the policy and the limits of liability are the same for all drivers on the policy. Since teen drivers pose a greater risk of accidents, you may want to increase the liability limits in the policy, especially if your current limits don't cover all of your net worth. A standalone car insurance policy for teen drivers can be expensive because they have a greater tendency to drive distracted, to drive at high speed, to a tailgate, and not to wear a seatbelt.
However, the average cost of car insurance for teens will vary depending on the driver's exact age, zip code, driving history, and type of vehicle. Learn more about the factors that affect car insurance rates. It's generally cheaper to add a teen driver to an existing insurance policy rather than buying a separate policy for them. That's because including a teen driver in your own policy means that you won't benefit from the comparatively lower rate you've earned as a more experienced driver.
In addition, teen drivers are at greater risk of having an accident, which means that a separate policy would have a higher price to compensate for the increased risk of a claim. You can get a progressive discount for good students if you have at least a B average. Students who drive can save an average of 10% as long as they are 16 to 22 years old and are enrolled full time in high school, college, or homeschooling. This discount is designed to reduce the cost of car insurance for students who are in college.
It applies if one of the drivers on your policy is a full-time student who lives at least 100 miles from your vehicle. Eligibility is also restricted to people who are 22 years old or younger. The idea is that these students don't drive much, which makes it less risky to insure them. You'll get another discount simply for owning a home, even if your home isn't insured through Progressive's network of home insurance companies.
Motorists write down how much they would like to spend on car insurance, and Progressive will offer options that fit their financial needs. An auto insurance policy for a 16-year-old driver who just received his license is likely to be more expensive than a policy for an 18-year-old with more driving experience. College students may also qualify for general discounts on car insurance, such as discounts for driver education students and discounts for accredited drivers. Add a full-time student who maintains a B average or better to your policy, and we'll add a discount on car insurance.
While Progressive car insurance rates may be high for some drivers, the company offers a variety of auto insurance discounts that drivers can take advantage of. However, Progressive offers a good student discount, as getting good grades shows the insurer that you're responsible off the road, meaning you're more likely to also be responsible when you're in the driver's seat. Read the list below carefully to find out if these savings could help you find affordable car insurance. Fortunately, there are plenty of ways students and teen drivers can save with discounts on car insurance in Progressive.
This discount applies if you have taken out car insurance from Progressive for at least five years without any accidents or violations. The good news for those considering Progressive is that the company offers a long list of auto insurance discounts that almost anyone can qualify for. To be eligible for these discounts, you'll need to be enrolled in your parent's or someone else's car insurance policy and not your own. Homeowners can save an average of nearly 10%, regardless of whether they have home insurance through Progressive or another insurer.
Here are some savings opportunities you can take advantage of through Progressive and many other companies in the auto insurance industry. .