Whether you're a teen driver or a parent insuring your son or daughter, there are ways to save on car insurance. The answers to these questions will point you in the right direction.
Saving on teen driver car insurance
How can I get the lowest insurance quote for a teen driver?
The easiest way to get a lower car insurance quote is to buy a safe and reliable car for your teen driver. Insurance rates for riskier vehicles tend to be significantly higher, so go for a reliable car with lots of safety features and a high safety rating. And to pay even less, don't go for the latest model — current model year cars can cost a lot more to insure than older vehicles.
Saving on car insurance always starts with comparing quotes. Quotes from different providers can vary dramatically — just make sure you keep your coverage options, limits, and deductibles consistent to ensure accurate comparisons.
Get your quote online and you'll be comparing rates in minutes. Look for the Good Student discount if your young driver has a 3.0 (B) GPA or higher, and qualify for the Multi-Car discount for adding more than one vehicle to your policy. If you're already an Esurance customer, give us a call at 1-800-ESURANCE (1-800-378-7262) to learn if you qualify for these or other available discounts.
You can also see whether you'll save more by adding your young driver to your policy or buying a separate policy for your teen. Then start checking other companies' quotes to find the best deal. As you compare your teen driver's car insurance quotes, check out the discounts each provider offers and how to get them.
If my daughter lives in one state with me, but can save money by being on her father's policy in another state, should she go on her father's policy?
No. Young drivers must be insured in the state where they live — unless they're in college.
What cars are most expensive to insure for teen drivers?
Any car that's going to turn heads probably costs more to insure. Generally speaking, the more performance a car offers in terms of speed and horsepower, the more expensive it is to insure.
Other factors contribute to high insurance costs, including cost to buy and cost to repair. Many hybrid vehicles, for instance, have expensive parts and systems that cost a lot to fix or replace, which can lead to increased premiums.
The Insurance Information Institute suggests you avoid small cars (which provide little protection in a crash) and sports cars (which encourage speeding).
What are the least expensive cars to insure for teen drivers?
Generally, cars that score highly in safety tests and are the most reliable prove the least expensive to insure. These are generally mid-sized cars with updated safety features. While the newest cars have the most safety features, most cars built since the ‘90s boast valuable safety options. Check these sources before buying a new car for your teen:
Paying for teen driver insurance
Can I pay for car insurance with my mom's credit card?
Yes, you can pay for your Esurance car insurance with your mother's credit card, but you'll need to call our customer service center at 1-800-ESURANCE (1-800-378-7262) to complete your purchase. Just like our website, our customer service center is available 24/7.
Customers of other car insurance companies will need to contact their insurer for more information on their payment policies.
Can Esurance bill my mom every month automatically?
Yes. With your mother's approval, we can bill her automatically every month. We'll send her an email reminder before each payment is processed.
Why does Esurance have to talk to my mom to use her debit card for my payment?
Esurance is dedicated to keeping our customers and their info safe and secure, free from the threat of identity theft. We require her permission to prevent any fraudulent activity that could place her information and identity at risk.
This page is intended to provide you with general information about young driver insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, we encourage you to read your policy contract and consult your insurance representative with any questions.