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  Commonly Asked Questions about Auto Insurance
  What if I'm Involved in an Auto Accident?
  How do I read my Auto Insurance Policy?
  Understanding the Costs of
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  Your Teen Driver
  Personal Liability Umbrella Coverage
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Farm Bureau Insurance®*  |  Insurance Products  |  Auto Insurance
Your Teenage Driver
It is that time as a parent where your child is ready to drive. So of course they need auto insurance. You probably also know that insurance rates are based on how likely the insured is statistically to get into a crash. Unfortunately, as a first-time driver, the numbers aren’t on your side. The risk of crash per mile driven is thee times higher for 16-19 years old than for drivers age 65-69. But, there are some things teenagers and parents can do to save money on insurance rates.


Drive an "Insurance Friendly" Vehicle
Cars that are a favorite target for thieves, are expensive to repair, or are considered "high performance" have much higher insurance costs. Before you buy a car, contact your insurer to get a quote on what it will cost to insure.

Most Popular Stolen Vehicles in Colorado (2009 / NICB)
1.

1996 Honda Accord

2. 1995 Honda Civic
3. 1995 Acura Integra
4. 2001 Dodge Ram
5. 1991 Toyota Camry
6. 1995 Jeep Cherokee/Grand Cherokee
7. 1998 Ford F150 Pickup
8. 1994 Saturn SL
9. 2001 Jeep Cherokee
10. 2000 Ford F250 Pickup


Safety Features and Crashworthiness
Don’t assume an old clunker is your best insurance bet. Newer makes and models are designed to be safer and discounts may be available if you have automatic seatbelts and/or airbags.
Crash Test Ratings

Driver Experience

Graduated Driver Licensing law requires teens to log 50 hours with an experienced driver, but taking a formal drivers training course will likely save on insurance.


Get on Your Parents’ Policy
It’s usually cheaper to add a teenager to their parents’ policy, rather than be insured separately. Most companies won’t charge an additional premium until the teen is a licensed driver. Parents need to inform their insurance agent or company that their teenager is being added to the policy.


Good Grades Pay Off
Most insurers offer a discount, some as high as 25%, for students who maintain a B average.


Penalties can land you back in the passenger seat
Death and injury are the highest price drivers can pay for drinking and driving, but even if you manage to survive, a D.U.I. ticket will cost teenagers big time. As a teen driver, you’ll likely be cancelled and if you can get insurance, expect to pay a much higher rate for the next 3-5 years. Traffic crashes and citations will also impact your premium. Rack up more than three and teens face cancellation or non-renewal.



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