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It's the kind of sticker shock that makes any parent wince: car insurance for your teenage driver.

For families with teens behind the wheel, you know what we're talking about: high-octane jumps in insurance premiums, especially if your 16-to-19-year-old is a boy.

"Teens are statistically the most dangerous drivers on the road compared to other age groups," said Tully Lehman, spokesman for the Insurance Information Network of California.

Unfortunately, that added risk – accidents, speeding tickets, crashes – revs insurance costs into overdrive.

How much?

"Adding a student to a parent's insurance policy roughly doubles the premium," Lehman said.

Because California insurance rates are primarily based on three factors – years of driving, accident history and annual miles driven – any new driver is considered riskier.

For at least the first three years with a young driver, it simply will cost more to insure him or her. But there are ways to make sure you're paying the least amount.

How to Save?

First, shop around. Not all insurers charge the same rates for teens, depending on the frequency and severity of loss claims in a given area or ZIP code.

That's why comparing premiums from four or five companies will yield a wide range of rates.
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As an Independent Agency, we can shop all of the insurance markets to find you the lowest premiums with the best coverage.  Not only will you get the best rate, but you will know exactly what coverage you have.  Why not let us do all the work for you? 

Note: If you currently have a Mercury Auto Insurance Policy with CCIS - - and have a teen who just obtained their Learners Permit, let us know right away.  They are covered under your policy at no extra charge, providing that you notify us. 
(800) -807-6871
Posted 11:15 AM

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