Auto Insurance for Your Teenage Driver in North Texas

If you have a teenage driver in your home, or will have one soon, you need to know all you can about how it will affect your auto insurance. Before your teenager gets behind the wheel in Texas, be sure you have all your bases covered. Tri-Star Insurance in Plano, North Dallas and Frisco offers these suggestions to make sure your teen is fully protected. With over 30 years combined insurance expertise, John Coyle and the rest of the staff have been helping Texans in North Dallas, Plano, and Frisco save on all of their insurance needs, including teen drivers. Call Tri-Star Insurance Professionals at 214-387-0600 or call toll-free at 1-800-880-4600 today for quality, affordable insurance.

Know the Laws and Follow Them

Of course, the best way to prepare your teenager for driving is to make sure they have thorough and complete training and practice. Texas law requires anyone under 18 to complete a state-approved driver’s education course successfully before they can get a license. This program includes classroom training and behind the wheel instruction. The final lesson of the class replaces the Texas Department of Safety’s exam if the student applies for their license before they turn 19.

Practice What You Preach

In order to keep your auto insurance premium at its lowest possible rate, all the drivers in your household must maintain clean driving records. Make sure your teen understands the laws and regulations that Texas expects all of its drivers to follow. It’s tempting for young drivers to want to test their limits (that includes the speed limit), so make sure you set a good example by practicing what you preach. Wear your seat belt and follow all laws and regulations so your teen has a role model to follow.

Save the Sports Car For Later

Other factors that affect your premium rate in Texas include the type of car your teen drives. Rather than indulging your 16-year old with a sports car, you need to get him or her a safe car to drive. A small or mid-sized sedan will give you lower premiums and will give your teenager less temptation to show off by driving recklessly and too fast.

Good Grades Mean Discounts

Most insurance companies in Texas offer a good student discount. You can encourage your teenager to keep his grades up by taking the student discount off the portion of the premium he pays. If he sees a direct financial impact to studying hard and doing well in school, it will be a great incentive to continue to work hard and stay in school. In fact, in the state of Texas, if your child drops out of high school and is under the age of 18 without a GED, he cannot receive a driver’s license. Although good grades and staying in school don’t necessarily mean better drivers, a teen driver who shows the self-discipline and responsibility to keep his grades up is more likely to carry that discipline through to his driving habits.

Keep your teenager safe on the roads and make sure your child and your vehicle are protected. Carry the appropriate amount of auto insurance. Talk to the professionals at Tri-Star Insurance today at 214-387-0600 or call toll-free at 1-800-880-4600 and learn about your options today.