Best Cars for a Teenager's Car Insurance
Just because it's legal for a teenager to get a driver's
license doesn't mean you have to let yours try the second she turns 16. Driving
is a big responsibility and can be an expensive chapter in your life as a
parent. Your auto insurance premiums will increase when you add a teen driver
to your policy. And if your child has bad grades and has not taken driver
training, the rate increase is likely to be even higher. Make sure your teen
has all her ducks in a row before letting her get her license, and choose a car
for her to drive that won't send you to the poor house.
How to Find Out
Look at the "Relative Collision Insurance Cost
Information Booklet" produced by the National Highway Traffic Safety
Administration because the amount of vehicle damage that can happen to a car
matters to auto insurance companies. You can find this information online, or
you can ask a car dealer about it. Dealers are supposed to keep this booklet in
their showrooms. Car dealers must inform you about how much insurance will
likely be for the type of car you are considering buying.
Or you could ask your insurer how much different model cars
will cost to insure. The vehicles in the report represent a collision loss
experience of worse than or better than average. An average score is 100, and
anything less than that is better than average; anything higher is worse than
average. Car scores range from a low of in the 50 range for a Chrysler 200 to
more than 300 for a BMW M3 to a high of more than 700 for a Ferrari.
New Small and Midsize Cars
If you want to get a small car for your teenager, here are
the cheapest ones to insure:
- Smart car
- Mini Cooper
- Toyota Yaris
- Honda Fit
- Chevrolet Cruze
- Nissan Juke
- Hyundai Elantra
Here are some good midsize cars for cheaper auto insurance
for teenagers:
- Chrysler 200
- Honda Accord
- Subaru Legacy
- Kia Optima
Though sports cars are not typically cheap to insure, if you
are set on getting one for your teen, the Chevrolet Camaro and the Ford Mustang
score better than average regarding the collision loss experience.
New Pickups and Sport Utility Vehicles
All the two-door model small pickups scored well on the
collision loss experience test. The best of the bunch is the GMC Canyon, but
the Chevrolet Colorado, Toyota Tacoma and the Ford Ranger all scored better
than average.
Here are some of the best SUVs to insure:
- Jeep Wrangler (the lowest scoring car of all at 47)
- Honda CR-V
- Mercury Mariner
- Mazda Tribute
- Ford Escape
- Kia Sportage
- Hundai Tucson
- Toyota RAV4
- Nissan Rogue
- Volkswagen Tiguan
- Mitsubishi Outlander Sport
Used Cars
Average-carinsurance.com put
together a list for parents who want to buy a used car for their teen drivers.
The list includes only the cars that were on the Insurance Institute for
Highway Safety's 2008 Top Safety Picks list. All the cars on the list passed
crash tests, and have newer safety features that appeal to insurance companies.
Here are the top 10 best used cars to buy for your teenager:
- Audi A3
- Honda Accord
- Mercury Sable
- Ford Taurus
- Subaru Forester
- Mercury Milan
- Scion
- Nissan Rogue
- Honda Civic
- Ford Fusion
All the models years are 2008 except for the Mercury, Honda
Civic and Ford Fusion, which are 2009 model years.
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