How do I keep my child’s insurance rates down?

On Behalf of | May 10, 2023 | Motor Vehicle Accidents

If you are a parent worried about your child’s driving record and insurance cost, you wonder what you can do to help them become a safer driver and save money on car insurance. Luckily, there are ways that you can help your child.

Driver’s education course

A driver’s education course can help them learn the rules of the road and develop good driving habits. Some insurance companies offer discounts for drivers who complete a driver’s education course.

Set a good example

Set a good example for your child. Show them how to drive responsibly and courteously. Avoid speeding, texting, tailgating or other risky behaviors. Your child will learn from your actions and follow your lead.

Rules and consequences

Establish clear rules and consequences for your child’s driving. For example, you can limit their driving hours, passengers or destinations. You can also require them to pay for their own gas, maintenance or tickets. Make sure they understand the expectations and the consequences of breaking the rules.

Shop around

Shop around for the best car insurance rates for your child. Compare different companies and policies and look for discounts that might apply to your child, such as good student, low mileage or multi-car discounts. You can also consider raising your deductible or lowering your coverage limits to lower your premiums.

Driving record

Review your child’s driving record regularly and praise their progress. Check their driving record online or request a copy from the North Dakota Department of Transportation. If they have no accidents or violations, congratulate them and reward them with more privileges or incentives. If they have any infractions, discuss them with your child and help them learn from their mistakes.

By following these tips, you can help your child become a better driver and lower their car insurance cost. Remember that driving is a privilege and a responsibility that requires constant practice and improvement. With your guidance and support, your child can enjoy the benefits of driving safely and affordably.