Forming a partnership between you, your teen and the insurance company will help you to reduce your rates and maybe keep a few extra dollars in you pocket. Here are a few tips:

1. Maintain a clean driving record: Make sure that your teen is aware of the laws and restrictions in your state. Instill in your teen the importance of following the rules of the road. Just one traffic violation for a newly licensed driver may have you paying two to three times what you should pay. Until your teen can afford to pay for his own policy, he must keep a perfect driving record to protect your pocket.

2. Follow my lead: Are you setting a good example? Do you speed? Do you tailgate? Your teen is watching you. Make sure you show them how it should be done. Remember, your soon to be driving pre-teen is watching you too.

3. Maintain Good Grades: Students who maintain an average of B or above may earn up to a 25% discount on insurance rates.

4. Drivers Education: Many insurance companies offer lower rates to teenagers that have completed qualified driver's education courses. Before you spend money on a course, check with your insurance carrier to find out which schools they accept.

5. Safety: When looking for a car, keep in mind that insurance
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   Forming a partnership between you, your teen and the insurance company will help you to reduce your rates and maybe keep a few extra dollars in you pocket. Here are a few tips:

   1. Maintain a clean driving record: Make sure that your teen is aware of the laws and restrictions in your state. Instill in your teen the importance of following the rules of the road. Just one traffic violation for a newly licensed driver may have you paying two to three times what you should pay. Until your teen can afford to pay for his own policy, he must keep a perfect driving record to protect your pocket.

   2. Follow my lead: Are you setting a good example? Do you speed? Do you tailgate? Your teen is watching you. Make sure you show them how it should be done. Remember, your soon to be driving pre-teen is watching you too.

   3. Maintain Good Grades: Students who maintain an average of B or above may earn up to a 25% discount on insurance rates.

   4. Drivers Education: Many insurance companies offer lower rates to teenagers that have completed qualified driver's education courses. Before you spend money on a course, check with your insurance carrier to find out which schools they accept.

   5. Safety: When looking for a car, keep in mind that insuranc
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      en the importance of following the rules of the road. Just one traffic violation for a newly licensed driver may have you paying two to three times what you should pay. Until your teen can afford to pay for his own policy, he must keep a perfect driving record to protect your pocket.

   6. Follow my lead: Are you setting a good example? Do you speed? Do you tailgate? Your teen is watching you. Make sure you show them how it should be done. Remember, your soon to be driving pre-teen is watching you too.

   7. Maintain Good Grades: Students who maintain an average of B or above may earn up to a 25% discount on insurance rates.

   8. Drivers Education: Many insurance companies offer lower rates to teenagers that have completed qualified driver's education courses. Before you spend money on a course, check with your insurance carrier to find out which schools they accept.

   9. Safety: When looking for a car, keep in mind that insuranc
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      ing a good example? Do you speed? Do you tailgate? Your teen is watching you. Make sure you show them how it should be done. Remember, your soon to be driving pre-teen is watching you too.

   10. Maintain Good Grades: Students who maintain an average of B or above may earn up to a 25% discount on insurance rates.

   11. Drivers Education: Many insurance companies offer lower rates to teenagers that have completed qualified driver's education courses. Before you spend money on a course, check with your insurance carrier to find out which schools they accept.

   12. Safety: When looking for a car, keep in mind that insuranc
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       Check with the participants before the group starts that they do not mind being recorded for later transcription. Do this well in advance as if one person objects you may have to abandon the recording. Conduct explanations about your research and give background information before switching on the recorder, to save on recording time. If you need to have the diff
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   13. Drivers Education: Many insurance companies offer lower rates to teenagers that have completed qualified driver's education courses. Before you spend money on a course, check with your insurance carrier to find out which schools they accept.

   14. Safety: When looking for a car, keep in mind that insurance companies like safety features. The safer the car, the lower the rate. The faster and newer the car, the higher the rate. Do a little homework before buying your teen a car. Be aware of the theft or vandalism rate for the car you're buying. The more likely it is to be stolen or vandalized, the higher your premiums.

   15. Alcohol and Drugs: Under aged drinking is illegal. Your insurance company may void your policy as a result of an illegal action.

   16. Watch your teen in action: Drive with your teen from time to time. See if they are still the safe driver they were when they first got their license, or have they developed a few bad habits. Be a passenger and observe. Compliment them if they're doing a good job, or diplomatically point out potential problems.

   17. Talk to your agent: Your insurance agent can help you to determine whether or not it is cheaper to put your teen on your policy. If you drive an expensive car, your rates may increase dramatically by adding your teen. It might be cheaper to get a separate policy, depending on the type of cars in your household. Your agent can offer advice on the best way to insure your teen's car.

   18. Shop: Get a couple of quotes and compare.

   Working together with your teen and insurance comp