Your teen is on the verge of becoming a licensed driver. It's step #238 toward independence. (How did that happen so fast?)
Together, you'll make decisions around:
- How often he'll drive
- How to insure him
- Which car he'll drive
Here are tips for leading those conversations.
How often he'll drive: Find middle ground
Lead by asking questions to understand your teen's expectations around driving, explain yours, and then agree on what's realistic.
Aim to satisfy your desire to keep him safe and his desire to be independent—and to make him feel heard.
How to insure him: ID ways to cut costs
Here's why your teen is expensive to insure: His rate reflects the track record of all teens—who tend to have more accidents because they're new to the roads. Talk about whether it makes sense to add him to your Progressive policy, or to get separate insurance, using these tips.
Then, keep your teen's rate as low as possible by:
- giving Snapshot® a try (it personalizes your rate based on actual driving habits, so if your teen is better than average, he might save);
- and just giving it time (rates generally drop at age 19 and then again at age 21.)
Which car he'll drive: Safer can be cheaper, too
If your teen is buying a car—or you're buying one for him—talk about what his needs are (e.g., reliability, affordable payments), and keep in mind that certain makes and models are cheaper to insure than others.
This is because we think about who generally drives the make and model you choose, and how many claims that vehicle has on average, when we price insurance for it.
So, generally, minivans and sport utility vehicles are least expensive to insure, and sporty coupes and sedans, especially luxury brands, are more expensive.