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 licensed or licensed teen driver 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. It's common for car insurance companies to offer discounts to full-time students who maintain good grades.
For example, Allstate offers a good student discount to single drivers under 25 who have at least a B- average. In addition, State Farm offers up to 25% savings for students with good grades, up to age 25 or their last year of study. If your teen is one of the best students, you can call your agent to ask about savings. Some companies require that you submit proof of grades by sending a copy of your child's report card, but the short time it takes to do so could be worth it.
If your young adult driver moves out of your home to attend college and leaves your car, you may be eligible for a lower rate. For some companies, this savings comes in the form of a discount for remote students. For others, savings are not a discount, but rather an “absent” driver condition that can cause a decrease in their premium. Either way, your child should generally be some distance from home (usually 100 miles or more).
Whether your company offers a discount for distant students or a discount for students who don't attend school, this could be a great savings opportunity, especially when combined with the discount for good students. Car insurance rates from Progressive or any other provider are influenced by several factors, some of which are within your control. For college students from other states, some states and insurers may require a separate auto insurance policy. Progressive has been in business for more than 85 years, and today it's a one-stop-shop for a variety of insurance products.
Car insurance rules don't change if you're an 18-year-old living at home, a 19-year-old college student, or an adult living with your parents. The final result was an overall rating for each provider, with the insurers that scored the most points topping the list. Many parents may have problems with the premium cost of their new car insurance after adding a teen driver to their policy. Many drivers find cheap car insurance with Progressive, especially those who qualify for discounts, but the only way to find the most affordable coverage for you is to compare prices.
In addition, some insurance companies may require you to provide proof that your teen is no longer in your home or that you have your own insurance to move him or her. Both are covered when they drive each other's vehicles, so they don't have to tell the insurance company who's driving what car and when. Cost savings are one of the reasons why most parents keep their college age students on their car insurance policy. A standalone car insurance policy for teen drivers can be expensive because they are more likely to drive distracted, drive faster, carry a tailgate, and not wear a seatbelt.
Depending on the state, you'll get a discount for all full-time college students on your Progressive car insurance policy if they're 22 years old or younger and enrolled in an educational institution that's more than 100 miles from home. Request a car insurance quote online or call 1-866-749-7436 and we'll ask you the right questions so that your teen has the right coverage. In addition, many insurance companies will work with you to find the best insurance discounts and the most affordable total coverage for teen drivers. A teen driver must have car insurance in almost every state, so you can add it to your policy or insure it with a standalone policy.