College and high school students As a college student who wants affordable auto insurance for the whole family I know first hand how important auto insurance coverage is for everyone on the insurance policy, but being young and having an inexperienced driver is difficult especially with the added responsibility associated with driving after leaving school. Being a teen or early adult is often the only time drivers don’t have comprehensive coverage on their vehicle and that can be expensive.
We’re going to look at a few options available to cover high risk drivers like teens and college kids including good student discounts and freebies available through the state of Texas. The state of Texas offers two programs specifically for young adults, one is Teen Safe Driver and the other is Texas Young Adult Driver Course Program. The Teen Safe Driver program includes everything young drivers need to improve driving habits while maintaining minimum liability coverage of $20k per person/$40k per accident.
This can be great because it’s a simple online course completed online, it can also be paid for in increments if needed. There aren’t any limits to taking courses through the Teen Safe Driver site so you can continue to take and pay for as many lessons or classes required before passing the theory portion of the test.
Teens can also take advantage of good student discount rates from the state for low liability coverage. If a teenager completes and passes the Theory Exam they receive a special rate based off the price of insurance at his or her age instead of paying the cost of insurance that would typically cost more than double the annual limit. For example 17 year olds with minimal insurance coverage will currently have to pay over $400 per month for insurance, which could cost more than $5000 for their first year.
Texas Teen Safe Driver Program provides the opportunity for high risk teens to significantly lower their car insurance premiums through discounts given to those who complete multiple sessions with an approved driving instructor; and take periodic lessons and exams.
While the TSDP allows for unlimited lessons and testing, it cannot provide proof of insurance coverage to companies nor is it allowed to accept payments other than those accepted through the web portal of the Department of Motor Vehicles (DMV), the agency responsible for establishing eligibility requirements. In order to qualify for the good student discount drivers must successfully finish the required number of lessons within 12 months for under 19 years old or 2 hours of supervised training for drivers aged 19 and older.
Drivers who take advantage of the Teen Safe Driver program have found that saving hundreds of dollars on their premiums is easy due to the reduced rates offered. To see if you qualify for the good student discount or find out how much savings it can get you please contact us today for a fast quote!