How can I save on auto coverage for my teenager?
Humphreys: AAA offers three things for teen drivers.
One is our Good Student insurance discount for grades that accumulate 3.0 GPA or higher, which can get you a discount of up to 14.5 percent on your insurance. [Editor's note: The Good Student discount is 7.1 percent in California.]
Another one is SMARTtrek, an app that can help parents and teens learn more about their driving behavior. It monitors speeding, acceleration from a stop sign, deceleration and hard braking, and how fast they’re going around curves. Parents can say, “I saw your Speed subscore was poor this week” to start a conversation. But it’s also a way of saying, “You’re doing great on your driving this week. You’re all green [high scoring].” You’re eligible for a 10 percent discount on your auto insurance, and at your renewal it may go up to 30 percent.
The last one is teenSMART, an online class that costs about $59. It takes roughly eight hours to complete. The class is awesome. It really does educate them, and from ages 16 to 26, you may qualify for a 24 percent discount on your insurance.
With a 14.5 percent Good Student discount, a 10 percent SMARTtrek discount, and another 24 percent with teenSMART, you really start to see the ways to save with a teen driver at home! [Editor’s note: Insurance rates vary by state. Speak to your insurance agent for more details.]