Texas Auto Insurance Under 25

If you're the parent of a new driver, be prepared. Your auto insurance bill will likely increase-and stay that way-until the young driver is out on his or her own. Male drivers under the age of 25 and unmarried female drivers under the age of 21 pay the highest rates for auto insurance coverage. But there are some things you can do to help control these costs.

One way to keep auto insurance costs in check is to ask your agent about available discounts. One of the most common is a discount for drivers' education. Most insurance companies offer a 10-percent driver training credit for teenagers who complete a driver education course. That discount is also available to parents—or any driver—who complete a state-approved drivers' safety course. An additional 5 percent discount is offered to drivers who complete an approved drug and alcohol awareness course.

While all regulated insurance companies are required to offer the driver education discount, there are other discounts that vary from company to company. Some insurance companies offer optional discounts based on the type of car insured and the kind of safety features it has. Ask your insurance agent whether the company offers a discount for students with good grades. And if your child is in college and does not have access to a car, be sure to tell the agent. You may be eligible for additional savings through a ”student away at school discount.“

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