Teens often celebrate achieving their driver’s license with great excitement; however, it also comes with significant responsibilities: car accidents are one of the leading causes of death among teenagers and young adults1.
Helping your teen remain safe behind the wheel can save money on auto insurance premiums. Here are five tips from Mercury to assist in this regard: 1. Consider what type of vehicle they drive
1. Get a Free Quote
Mercury Insurance offers home, renters and car policies throughout 11 states through an extensive network of independent agents. With an A rating from AM Best and being recognized as one of Forbes magazine’s “America’s Most Trustworthy Companies,” Mercury stands out among competitors as a trustworthy partner for homeowners, renters and drivers alike.
Insurance policies offered by State Farm include both basic coverage as well as optional add-ons like roadside assistance and rental car coverage, with its annual premium being about 2% less than the national average for full coverage policies. It offers several discounts such as good student discounts and the pay-in-full discount to customers.
The company’s website and mobile app are easy to navigate and offer plenty of information on policies and rates, including payments, downloading ID cards and viewing policy documents. Customers can make payments, download ID cards and view policy documents through this platform as well. In addition, its blog includes posts related to safe driving tips, money-saving ideas and topics pertaining to insurance – including an interactive quiz designed specifically to improve teens driving skills behind the wheel.
2. Get a Good Driver Discount
Mercury recognizes responsible drivers, and this discount shows their dedication to road safety. You may qualify for it after remaining accident and violation-free for three years – making this one of the best ways for new drivers to save on auto insurance premiums.
Finding affordable car insurance rates is easier than you may realize with Mercury’s various discounts that can help bring down rates – multi-car, good student, and automatic payment discounts are just a few examples that may apply. They also provide flexible coverage options tailored specifically to meet your budget and lifestyle needs.
Other than taking advantage of the Good Driver Discount, another effective way to lower auto insurance rates is joining an existing policy. Joining can often be more cost-effective than purchasing separate policies for each teen driver and can save you money when buying or leasing vehicles. You can find out if joining is an option by visiting Mercury website or speaking with local agent.
3. Be a Good Passenger
As a novice driver is likely to carry passengers occasionally in their car, it is crucial that they remember to make sure everyone is restrained properly – both as a safety measure and to reduce severity of an accident should it occur.
Help your teen understand the significance of being an effective passenger by initiating regular conversations that foster healthy driving habits. These discussions don’t need to be heavy-handed lectures – simple discussions about distracted drivers or speeding, including their risk and impact, can serve as great starting points.
Mercury Insurance is an established independent agency system writer of auto, homeowners and commercial multi-policy lines of insurance, known for offering affordable auto policies along with excellent customer service experiences. Their focus on affordable policies has made them a consumer favorite – contact a local agent now to learn more about what coverage options may be available to you!
4. Take a Defensive Driving Course
One collision or ticket on your record can cost a lot of money. Enrolling in a state-approved defensive driving course could help you to avoid points being added to your record, dismiss a ticket entirely and ultimately reduce insurance rates.
Driver training courses provide invaluable skills that help both teen and older drivers safely navigate roads. Learning these techniques is invaluable.
Defensive driving can help keep you calm when someone cuts you off or your GPS malfunctions, and keep you safer during sudden weather changes. To refine your skills further, sign up for an online New York defensive driving course today!
Mercury sells car and other lines of business through an independent agent network in Arizona, California, Florida, Georgia, Illinois, Nevada, Oklahoma, New Jersey, New York, Texas and Virginia. They specialize in home, auto, condo, renters and commercial multi-peril insurance as well as mechanical breakdown coverage; all their products have received A+ ratings from A.M. Best and Fitch; two top independent rating agencies.
5. Maintain a Clean Driving Record
Mercury Insurance Company offers comprehensive auto coverages such as standard, comprehensive and collision. They also provide rideshare liability coverage for drivers of services like Uber and Lyft; add it to your personal auto policy for maximum savings or combine it with commercial coverage for additional savings.
Clean driving records can help reduce costs associated with post-accident repairs, lower your rates and qualify you for a good driver discount. Take a defensive driving course or fight or defer tickets as ways of keeping your record clean; avoid violations altogether when possible!
An outstanding driving record can also play an integral part in applying for employment or renting an apartment, so it is wise to review your motor vehicle report regularly to ensure its accuracy. You can request one from your state’s Department of Motor Vehicles (DMV) or Secretary of State by paying a small fee; be wary of errors as these could have serious repercussions for your life.
