When it comes to buying a car for a new driver, reliability and affordability may be your top priorities. Depending on what car you select for your teen could also impact auto insurance premiums, which can be a significant cost for young drivers. While buying a new car may be out of the budget for many families, buying a used car may offer a less expensive option without compromising on quality. Here are some helpful tips and advice which may help you choose the best used cars for teens, while considering factors like safety features, fuel efficiency, and insurance costs.
Factors to consider when choosing a car for teens
When shopping for an affordable car for teens, there are several key factors to keep in mind that may help you narrow in on your desired vehicle.
Safety features
Figuring out which cars have what safety features may help you find the right used car for your teen. Modern safety features like anti-lock brakes, airbags, and electronic stability control (ESC) may help prevent serious accidents and could be essential for your car-buying checklist. Looking into a car’s safety rating may also help you choose a car that aligns with your needs. Organizations like the Insurance Institute for Highway Safety (IIHS) and the National Highway Traffic Safety Administration (NHTSA) give cars safety ratings that are typically based on crashworthiness tests, what safety features are installed, and how certain safety features react like seatbelt detection sensors.
Fuel efficiency
Fuel-efficient cars may be a smart choice for new drivers, especially since many teens are still in school and don’t have excess money for gas. Fuel-efficient vehicles like EVs or hybrids may be more expensive upfront but could help your teen save money due to lower gas or fuel costs.
Insurance rates
Auto insurance may be a significant ongoing cost for teen drivers. Teens may experience higher premiums because of their inexperience behind the wheel. However, certain cars may be able to help reduce these rates. Vehicles with high safety ratings or with less expensive, unique parts for repair may receive lower insurance rates. Getting an insurance quote for a car you're considering may help you understand what insurance costs your teen would have to pay, as rates can vary depending on a combination of factors.
Certified pre-owned vehicles
If you're looking for a used car that may offer additional safety, consider a certified pre-owned (CPO) vehicle. These cars are typically only a few years old and may come with advantages like manufacturer-backed warranties. A CPO car could be a great option for parents who want a used car with more comprehensive inspections. You may also save money on car insurance with a CPO vehicle because it is worth less than a new car, and insurance companies may consider it less risky to insure.
Top safety picks for teens
According to the Insurance Institute of Highway Safety and Consumer Reports, these cars, among others, are recommended since they may offer a great combination of safety, reliability, and affordability:
- Toyota Corolla: Known for its impressive safety features, including standard anti-lock brakes, airbags, and stability control, the Corolla may be a budget-friendly option for your teen.
- Honda Civic: This four-door sedan has a reputation for being both durable and affordable. The Civic may be great for families who want a less expensive vehicle with advanced safety features.
- Mazda3: This vehicle may be an excellent choice for teen drivers who want great crashworthiness. Some used models may come equipped with features like lane departure warning and blind-spot monitoring, which can help new drivers navigate road hazards.
- Toyota Rav4: Known for its fuel-efficiency, this small SUV may be a solid safety choice for your teen. As a popular SUV on the market, the RAV4 can combine the benefits of a small car with the added space and versatility of a larger vehicle.
Additional tips for parents of teen drivers
These tips may be able to help your teen navigate safe driving and insurance savings:
- Consider telematics: Certain insurance companies may offer discounts for safe driving, and one way to encourage your teen to develop good driving habits is by using telematics. These apps can track driving behavior, including speed, location, and how quickly you stop. Using a telematics application may help lower insurance premiums through a discount if you’re eligible.
- Encourage safe driving habits: Teaching your teen about safe driving may be just as important as selecting the right car. Enrolling them in an approved defensive driving course may help them understand the importance of following traffic laws, avoiding distractions, and staying focused on the road.
- Budgeting for maintenance and insurance: While a used car may save you money upfront, it may be important to budget for ongoing costs. Informing your teen about what expenses could come with owning a car, including oil changes, maintenance checkups, and insurance costs, may help them prepare for the future.
Choosing the right used car for your teen may be essential for driving responsibly as well as maintaining their budget. Opting for a used car with high safety ratings, certain safety features, or that’s CPO may save you money on auto insurance in the long run. To discuss your insurance options or get a free personalized quote, you can call Infinity Insurance Agency, Inc. at 1-855-478-3705.