Teen Driver Discounts

Why is my Insurance Cost So High?

One of the primary reasons why teen drivers tend to have higher insurance rates than other drivers is because of the number of accidents teens are involved in. Every year, studies show that young drivers between the ages of 16 and 19 are involved in more accidents than any other age groups. Insurance companies need to balance rates with the cost to cover claims.

How do you know if your paying too much?

If you’ve seen a spike in what you’re paying for car insurance, well, you’re not alone. A study from the Bureau of Labour showed that auto insurance rates went up 50 percent between 2016 and 2019.

When did you last switch insurance companies?

If you think your car insurance company will reward you for loyalty, think again. Switching at least every two to three years is an effective way to ensure that you’re not paying more than you need to.

If you’ve never switched insurers, don’t worry you’re not alone. The average driver hasn’t changed auto insurance companies in 12 years.

If you’re already thinking switching insurance companies will be time-consuming and difficult, we’ve got good news for you. It’s a straightforward process that will save you money.

Prices will vary from company to company so shopping around is key to getting a better rate. This means getting quotes from multiple auto insurance companies.

If you’re wondering how to shop for car insurance, remember that shopping around is key. To make things even easier you can just select your discounts below and we’ll search over 30 different providers to find you the best rate.

What Discounts to ask for When shopping for Insurance:

To help offset the costs, Insurance companies now offer young drivers a discount between 5% and 40%. Young drivers may qualify for:

  1. Youthful Driver Discount

    – Unmarried drivers under 21 who reside with their parents.

  2. Youthful Longevity Discount 

    – Unmarried young drivers may receive a credit for the consecutive years spent insured under another parent's auto insurance policy.

  3. Driver Training Discount

    – Young drivers under age 21 who have completed an accredited driver training course.

  4. NEW Driving Monitor Device

    - 10% to 30% discounts. This device monitors the amount of time your youthful is in the driver seat.  Time of the day the vehicle is being used & distance driven.

  5. College Student Discount

    - If your son or daughter is living away from home while attending school and does not have access to a car, let us know. You may receive a discount for the time that he or she isn’t driving the car.

  6. Good Student Discount

  7. If your child carries a 3.0 GPA or higher for the most recent semester they will qualify for this discount.

Why Our Agency?

Unlike a call-center representative, or captive insurance company who only sells it's own proprietary products, our agency is 100% independent. This means we offer advice that is objective, and coverage that is flexible enough to fit the unique needs of you, your family, or your business.

Expert Advice

We are experts in insurance, and will help you find the best possible pricing and coverage for your specific needs and situation.

Only The Best Companies

Our agency represents a wide range of some of the best insurance companies in the country. We do all the heavy lifting for you.

We Have Your Back

Along with our insurance carriers, we offer 24/7 claims support. Our advisors are here to help you with whatever comes your way.

What People Say About Us

"A reliable insurance company that keeps your requirements on priority and suggests best plans."

Jessica Albane - O'Fallon MO.

"A reliable insurance company that keeps your requirements on priority and suggests best plans."

Michael Macon - St.Louis MO.

"A reliable insurance company that keeps your requirements on priority and suggests best plans."

Steve Minor - St.Peters MO.
Call Email Quote Payments
Skip to content