Reader’s Question:

My son will have his driver’s license anytime soon and we’ll also get him his own car. I know that teenage car insurance may cost more so I need some advice. How can we lessen that cost for my son’s coverage here in New York?

Issey

North Hempstead, NY

Car insurance carriers in New York calculate the insurance premiums for vehicles driven by teenagers in a different way. You have to know these things before you go and shop for your son’s auto insurance quotes. The following are some fundamental recommendations that if adhered to will lessen the insurance premiums for vehicles driven by teenagers.

–Teenagers have to be taught to adhere to traffic rules and maintain a spotless driving record. This, in turn, can make your son be worthy of a good driver discount.

–Be an example to your teen and show him how to drive safely and follow traffic rules. This would push him to do the same, thus making him a safe driver.

–Add your teenage son to your car insurance policy so that you can have an additional discount.

–Push your son to do well in school to show your car insurance company that your son is responsible. If he averages a score of B or higher in school, he will be deemed as a responsible driver as well.

–Your teenage son has to attend and complete a driver education course so that he can qualify for another discount on his car insurance.

–From time to time, you can go with your teenage son as a passenger and watch how he drives. Give him some tips and make him aware of the importance of having a clean driving record. When you shop for his coverage, you would expect that you will get cheaper auto insurance quotes from different carriers.