Reader’s Question:

My 17-year old daughter will soon be added to our car insurance policy here in Nevada. But since she is just young, what are the things that I could do to save on our car insurance premiums?

Melody

Las Vegas, NV

Policyholders that have young people in their car insurance policy need to pay more for their premiums. According to statistics, young drivers have higher tendency to get involved in car accidents, thus getting higher car insurance premiums that other groups of drivers. The following are the things that you could do to save on your car insurance in Nevada:

Raise Deductibles
Choose the highest deductible that you can pay for your car insurance policy to get cheaper car insurance for young people.

Let Young People Drive Older Vehicle
Make sure that your daughter will be listed as a named driver on an older vehicle. You will surely get higher car insurance premiums if you have her listed on a newer vehicle. You also have the option to cancel collision and comprehensive coverage in the older vehicle that she drives.

Get Good Grades in School
If your daughter has an average of B or higher in school, car insurance companies will offer you cheaper rates for car insurance for young people.

Install Security Features
If you put in airbags, anti-lock brakes and anti-theft devices in your daughter’s car, she will be secured and safe while driving, thus getting car insurance discounts.

Driver Training Course
To be a responsible driver, your daughter has to finish a defensive driving course and she will also be rewarded cheaper car insurance premiums by car insurance companies.

Keep a Good Driving Record
Young people who drive are notorious for being reckless drivers so car insurance companies most of time, offer them higher premiums. For you to prove that your daughter is a safe driver, she has to maintain a clean driving record. If she does not get involved in accidents or commit traffic violations for a long period, she can get discounts for being a good driver.