It’s pretty much a universal truth that parents are always going to worry about their kids. When it comes to auto insurance, it’s no different. But parents can rest easy; children may stay on their parents’ insurance policy for as long as they need (or their parents will allow) if they are still living at home, regardless of age, employment status and education. Of course, there will come a time when the chicks finally leave the roost, but in the meantime, you can breathe easy knowing that they are fully covered under your plan. 

That being said, there are definite steps you can take to keep your insurance rates low while your children are still under your plan. Here are a few tips on how you can keep costs down and your auto insurance quotes low:

  • Sign your child up for a comprehensive defensive driving class. The less of a risk your child is to auto insurance companies, the lower your rates will be. It’s also a good idea to arm them with the knowledge of good driving skills and behavior, for their safety and for the safety of other motorists on the road. It’s never too early to learn safe driving habits.
  • If there are multiple vehicles in your family, put them all on the same policy. Oftentimes an insurance company will offer discounts to households with more than one vehicle.
  • Try multiple policies within the same insurance company. Some companies cover health insurance, homeowner’s insurance, life insurance and disability coverage. It’s an easy way to get a discount if you can find the right insurance company.
  • Try to keep your yearly mileage to a minimum, if possible. The less you drive your car, the less wear and tear. The less wear and tear on your car means that you are less likely to get into a bad maintenance related accident. 
  • Make sure your cars have up-to-date features like air bags and anti-lock brakes.
  • Arm your car with an anti-theft system. Don’t leave yourself vulnerable.
  • If you haven’t had an accident in three or more years, ask your insurance provider about special “good driver” discounts that may be available to you.

Keeping your child on your insurance policy doesn’t have to mean higher car insurance quotes. By implementing the tips listed above, you can rest assured that your child is safely covered by your plan, without having to spend an arm and a leg.