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In the U.K., one in five new drivers will be involved in an auto accident within the first six months of being licensed to drive. This is a staggering statistic that highlights the risk that inexperienced drivers pose to themselves and others on the road. In recognition of the increased likelihood that a teen driver will be involved in a crash, auto insurance costs are much higher on average for teen drivers. For this reason, it is all the more important to be diligent in your search for an auto insurance policy and the applicable discounts for a new teen driver.

Do Not Choose to Drive Without Insurance

While the cost of maintaining auto insurance for a teen driver may be much higher than that for an experienced adult driver, it is never a good idea to join the 1.5 million uninsured motorists in the U.K. You risk being hit with a driving ban and having to pay extensive fines in order to attempt to regain driving privileges at some point. The insurance industry is taking a harder look at parents who are reporting they are the primary drivers of a vehicle that is actually operated by their teen driver. Engaging in this type of fraud could leave you without any auto insurance coverage for you and your family.

Choose the Right Car for Your Teen Driver

By choosing a car with a small engine and frame, your teen driver is more likely to get a more reasonable rate on auto insurance. If you are assigning your teen driver to a car that is already owned in your family, make sure that your child is only driving the car that he or she is assigned and that is the least expensive one to insure.

Make Arrangements to Have the Car Parked Off-Street

Auto insurance companies like to see that their insured are taking measures to reduce the risk that their vehicles will be involved in an accident. By reporting to the insurance company that there are a dedicated parking and storage area for your car that is not on the street, you may be able to get a lower rate.

Take and Pass the Pass Plus Training Course

The Pass Plus training course is a program that teaches new drivers how to improve their safety skills. It should be taken as soon as possible after a new driver is licensed in order to make the most of the lessons taught as well as secure a discount from the auto insurance company. The course takes around six hours and must be administered by a certified Pass Plus driver. You can inquire with your auto insurance company about the amount of discount offered for a teen driver who provides proof of passing this program.

Limit the Mileage on the Car Your Teen is Driving

You will be able to get a lower rate for auto insurance if your teen is not driving your car for an unlimited number of miles. If you are able to show and keep a record that your teen driver is only taking a vehicle for short errands or to school and back, this can bode well in terms of getting a discount on auto insurance coverage. Be sure to be accurate in this representation to the auto insurance company, however, because your failure to do so could constitute fraud and be grounds for having coverage revoked.

Monitor Your Teen’s Driving

The best way to keep auto insurance rates reasonable is to prevent accidents from hopping in the first place. If your teen driver is able to establish a good driving record, he or she will be able to get a lower rate on insurance much sooner. Set firm restrictions on whether your teen driver can drive after a curfew or during inclement weather. It is important to keep a close watch on your child’s driving habits for at least the first year that he or she is behind the wheel. Having an accident within the first year of driving can be a huge blow to auto insurance rates.

The Bottom Line on Auto Insurance for Teen Drivers

In general, a teen driver will pay more for auto insurance coverage than an experienced adult. This is because teen drivers are more likely to cause an accident within the first year of driving. To avoid an accident and having to pay higher rates, closely monitor your teen driver and set firm restrictions on driving times and conditions. In addition, taking and passing the Pass Plus safety course is a great way to gain a discount on your teen’s auto insurance rate. The most important thing for a teen driver to focus on is gaining experience on the road and learning safe driving habits under all conditions.