Boca Raton, Fl — Did you know when parents add their teens to their car insurance policies, premiums can jump from 100 percent to 355 percent even if the teen is driving the family minivan?

There are several different ways to get lower premiums for your teenagers. Many insurance companies offer online tutorials that teenagers can take and if passed, companies will offer substantial discounts. For example, State Farm has an online tutorial called “Steer Clear” and if the new driver passes it, State Farm will give up to a 15 percent discount to first time drivers. Many other insurance companies have similar online programs that offer discounts for teens. Esurance, an online car insurance company, gives discounts every six months for clean driving records. Yes, a clean driving record means no speeding tickets.

According to Statefarm.com, here are a few insurance tips for teen divers and their parents.

o Call around to different companies and compare prices with discounts that will better suit your needs.

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In tough times like this economy people are looking for ways to save money and lower their monthly bills, one way to do so is notify companies for their car insurance rate quotes to see if you could be paying less money for great coverage. It may seem like a hassle but simply picking up the phone or visiting a website could save you hundreds of dollars every year or even each month. Since the worst-case scenario is you will have the same bill as you already do, it is worth the time just to see if you qualify for any special discounts. If you have recently purchased a home, most top companies combine your vehicle insurance with homeowners insurance for a lower bulk rate.

Many top companies may be more expensive but they own small subsidiaries that may offer you the same coverage for much less. For example: All State is one of the top auto insurance companies in America however for some people, their rates may be higher than competitors, luckily for you they have a company called Deerbrook Insurance that costs much less for excellent coverage. You can often find hidden gems like these smaller, unadvertised companies by going through an auto insurance broker even when you are purchasing a new vehicle, your dealer may have phone numbers on hand to several great agents to help you save and be protected. They will investigate car insurance rate quotes from a dozen different companies.

There are websites on the web that will compare your rates to others just like Progressive has been doing for years. Progressive.com lets you choose three major companies you would like to compare with them and they will show you who is the cheapest company, even if it’s not them. You can compare car insurance rate quotes with Geico, All State, Farmers, or Mercury Insurance. Insurance.com and esurance.com will also compare rates for you, free on their website.

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