For a teenager, a driver's licence is more than a new card in their wallet — it's a rite of passage. For many, it may mean it’s time to shop for a car. Even if they save up to pay for it themselves, parents will often help with the shopping process. So how do you choose the right vehicle for your teenage driver? Consider these factors before deciding.
Should you buy a new car or a used car for your teen?
When finding the right car for a teenage driver, there are pros and cons to both new and used vehicles. Ultimately, your decision will likely come down to budget and your teen's driving habits. If they live at home or have a short commute, a basic (but reliable!) used vehicle might be all they need. But if they're going away to school and will be driving a fair distance, a new car with better gas mileage and the latest safety features might be a smarter choice (if it fits your budget). A gently used vehicle will likely do the trick and probably be more affordable. If you decide to buy a used car, consider these tips to make sure the vehicle you're considering is the right one for your teen.
What safety features are important for teenage drivers?
Many modern vehicles have built-in safety technology, from rear-view cameras to blind spot detection technology. While these driver assistance systems have benefits, the most critical might be a hands-free cellphone connection. According to Transport Canada, distracted driving contributed to 22.5% of fatal collisions and 25.5% of serious injury collisions in 2021. While staying off your device entirely while driving is the best option, a vehicle with hands-free technology can significantly reduce the risk of distracted driving. Check with your broker or group’s broker to see if your teen could qualify for any car insurance discounts if they install any aftermarket safety products (like an anti-theft device, for example).
What should you look for when taking a test drive with your teen?
Whether you're considering a new or previously owned vehicle, it's important to research its features, safety ratings, and reviews. Regardless of what you find out, the best way to determine if a vehicle is the right fit is to take it for a test drive:
- Determine how comfortable your teen is in the vehicle. For example, how easy is it to adjust the driver's seat and steering wheel? If they're over six feet tall, a compact car might not be the best option, even if seats are pushed back.
- Pay close attention to the vehicle's brakes. Are they touchy, or do they require more force to stop quickly? Make sure your teen is comfortable with how the brakes feel before you commit to making a purchase.
- Look at the vehicle's steering. How well does the vehicle respond to sharp turns or quick maneuvers?
- Test how your teen manages the vehicle in various scenarios. Have your teen try out parallel parking, backing into a parking spot, and merging onto a highway.
If you're unsure whether a vehicle is a good fit for your teen, from warranty to safety standards, ask the salesperson for clarification.
How can you make sure you're getting the right price for your teen's vehicle?
Make sure you research pricing before stepping foot onto a car lot. With numerous credible resources available online, a little research should give you a good handle on what's available in your price range and help you recognize when a vehicle is overpriced. If you're purchasing a new vehicle, search for the invoice price instead of the manufacturer's suggested retail price (MSRP). The invoice price is what the dealership paid for the vehicle, which could come in handy if you're looking to negotiate. If you're considering a used vehicle, research recent resale prices in your area for that specific make, model, and year.
What should you know about buying car insurance for your teen's vehicle?
Before finalizing your decision, speak with your licensed car insurance broker or your group’s broker to find out what insurance costs will look like on a new or used vehicle, and ask if your teen qualifies for any car insurance discounts. For example, some insurance companies offer discounts for students who get good grades in school or if a new driver completed a certified driver's training course. And remember, it's important to make sure that when you get insurance, the right name is on the policy. For example, if the vehicle ownership is in your name, but your teenager drives the car every day, they need to be listed as the primary driver. On the other hand, if the vehicle ownership is in the teen's name, they must purchase the insurance policy and be listed as the primary driver. If you have any questions about insuring your teen's vehicle, contact your broker or group’s broker today.
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