Just because it’s legal for a teenage girl to get a driver’s license doesn’t mean she should let hers try by the time she turns 16. Driving is a huge responsibility and can be a costly chapter in your life as a parent. Your auto insurance premiums will go up when you add a teen driver to your policy. And if your child has poor grades and hasn’t received driving training, the rate increase is likely to be even higher. Make sure your teen has all his ducks lined up before you allow him to get his license, and choose a car for him to drive that doesn’t take him to the poor man’s 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 occur to a car is important to auto insurance companies. . You can find this information online or you can ask a car dealer. Distributors are supposed to keep this brochure in their showrooms. Car dealerships should inform you of the amount of insurance that is likely to be for the type of car you are considering purchasing.

Or you can ask your insurer how much it will cost to insure different car models. The vehicles in the report represent a worse or better than average collision loss experience. 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 50 for a Chrysler 200 to over 300 for a BMW M3 and a high of over 700 for a Ferrari.

New small and medium cars

If you want to get a small car for your teenager, these are the cheapest to insure:

– Smart car

– Mini Cooper

– Toyota Yaris

– Honda Fit

– Chevrolet Cruze

– Nissan Juke

– Hyundai Elantra

Here are some good midsize cars for cheaper car insurance for teens:

– Chrysler 200

– Honda Accord

– Subaru Legacy

– Kia Optima

Although sports cars are not usually cheap to insure, if you are determined to buy one for your teenager, the Chevrolet Camaro and Ford Mustang score better than average in collision loss experience.

New SUVs and SUVs

All small two-door model 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 Ford Ranger performed better than average.

Here are some of the best SUVs to insure:

– Jeep Wrangler (the car with the lowest score of all with 47)

– Honda CR-V

– Mercury Mariner

– Mazda Tribute

– Ford Escape

– Kia Sportage

– Hyundai 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 cars that were on the Insurance Institute for Highway Safety’s 2008 Best Safety Choices 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 used cars to buy for your teen:

– Audi A3

– Honda Accord

– Mercury Sable

– Ford Taurus

– Subaru Forester

– Mercury Milan

– Stem

– Nissan Rogue

– Honda Civic

– Ford Fusion

All models are 2008 except Mercury, Honda Civic, and Ford Fusion, which are 2009 models.

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