First-Time Driver

First-time Drivers

Don't let high premiums
drive you crazy

As the group with the highest liability for insurance carriers, teen drivers bear the heaviest burden in premiums. More claims are filed for teen drivers than all adults 25 and up. Teens are also involved in the greatest number of serious auto accidents. Car crashes top the list as the leading cause of death among 16-24 year-olds, most resulting from reckless behavior and drunk driving.

Tips to shave costs on your insurance premium.

Realize the importance of building a good driving record. Smart drivers are safe drivers. And, safe drivers qualify for reduced insurance rates.

Enroll your teen in a driver's education/defensive-driving program. Beacon will offer a 10% discount.

Make a thoughtful decision on the type of car your teen will be driving. For example, most sports vehicles are costly to insure. Imagine how much more you'll pay with a young driver behind the wheel.

Check into whether a teen, under the parent's policy, could be listed as a driver on the family's least valuable car.

Revaluate your coverage options. You can make a definite dent in teen insurance premiums by increasing your deductibles.

Determine whether it would be wiser to pay for your teen's auto accident out of pocket or file a claim. Once your teen begins adding tickets and accidents to his or her driving record, premiums will skyrocket.

Consult the Texas Department of Insurance with specific questions on insuring teen drivers or to receive a free brochure. Call 1-800-599-7467. Visit the TDI website at www.tdi.state.tx.us

Buyer's Guide
Car shopping? Look for a car with a low insurance premium. Check our Buyers Guide

Power Up
Throttle back to the right deductible for your needs.

Truck load of links
Useful auto consumer information, from consumer groups, state agencies, etc.

Claims Information
Had an Accident? Here are some automobile claim filing tips

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