Cheap Auto Insurance Quote For Beginner Driver In Dallas
Q: My son’s going to get his learner’s permit and I’m worried that I can no longer get a cheap auto insurance quote! Is this true? We live in Dallas Fort Worth Texas area, which is a high insurance county.
A: Actually, car insurance companies like to say that if a teenager has his learner’s permit, he needs to be on your car insurance policy–and if you add a teenager, then you will indeed have trouble getting a cheap insurance quote. However, this actually isn’t the case. You aren’t technically required to insure your teenager until they actually have a license. In the meantime, you have it pretty good–they will be covered if they are in an accident under your policy, and you won’t have to pay for including them on it.
One of the best ways to lower your annual premiums is to have a higher deductible amount.. Like a $1,000, is what I carry personally.
Now, if you are a claim free and safe driver like I am, you could be saving a ton of money each year on your premiums. People fail to realize that the deductible amount is only paid when they file a claim and their insurance company pays that claim.
Ask for discounts, you never know what you might be able to get and how much you can save by asking. Some popular discounts can be given for:
1. Military personnel
2. Good grade students
3. Union membership and bank member affiliations
4. Safe drivers with no claims in last 7 years
5. Defensive driving school attendance
6. Clean credit history – used by many carriers to determine payment risk
Now, there is an exception to this case. Since you have trouble finding a cheap quote, it’s possible that you are part of the assigned risk car insurance pool of the Texas Department of Insurance. Many policy holders are a part of this. If you are in an assigned risk pool, then you are unable to keep your teenage son off of your car insurance policy, even if he does not actually have his driver’s license yet.
