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How To Get The Cheapest Car Insurance For Your Children

By Jason Markum

Nobody likes to pay insurance premiums month after month, and year after year, it’s especially hard to pay the premiums on our auto insurance because unless you’ve ever gotten into a car accident you’ll never get any of that money back. The fact of the matter is, many people drive their entire lives without having an accident and it can be incredibly frustrating to have to keep paying the premiums and to watch the premiums increase year after year and become more and more expensive.

And then one day you have children and you don’t even think about it but one day they will be driving themselves are going to need car insurance. Perish the thought!

Children are especially hard to insure with car insurance because the insurance companies know that kids are the most likely to have accidents, especially kids that have only recently gotten their drivers licenses. Because of this, you are likely to wildly overspend for your kids car insurance if you’re not careful.

In this article today I’m going to give you a few simple tips that you can use to find and acquire the cheapest car insurance for your children.

The first trick in lowering insurance premiums for your children is to list them as occasional drivers and not principle drivers. The principle driver is somebody who drives all the time constantly, or principally. An occasional driver is just that… somebody who drives only now and then. Let’s face it, your children are going to be in school most of the time and most likely they’re driving ability is going to be curtailed by other things and specifically since you really keep an eye on things and decided when they can drive. That means they are realistically only an occasional driver.

Listing your kids as an occasional driver can lower your insurance premiums a lot. Most people don’t realize how much but for boys that premium can decrease by up to a third and for girls by almost a fourth just by listing them as occasional drivers. Seems well worth it to me!

The next trick is to only cover your children for one of your cars. These days families have two and sometimes even three or four different cars and your gut instinct is going to be to purchase coverage for your children on all of those cars. A better idea is to simply designate the cheapest car as “their car” and purchase coverage for it alone.

If several of your children have their licenses at the same time then cover the girl for the more expensive of the cars and you’ll save a lot because female drivers tend to have less expensive insurance for some reason.

So there you have it, two simple tricks for lowering your children’s car insurance quickly and easily and with not much effort on your part. There are in fact many other ways to lower insurance premiums for your children, especially if they still live in your home but I will leave them for another time.

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