Teen drivers are inexperienced and more likely to engage in risky driving behaviors, like texting and driving, increasing the likelihood of a car accident. For this reason, it’s essential to make sure your teen has sufficient car insurance before they get behind the wheel.
At Joe Bill Mettauer Insurance, we understand that your child’s safety is your top priority. Contact us in Center, Texas, to speak to an auto insurance agent today.
When Does My Teen Need Auto Insurance?
If your teen lives in your house, has a driver’s license and is planning to drive a car registered to you, you will need to add them to your car insurance policy. Otherwise, your car insurance company is unlikely to provide coverage if they get in a car accident in one of your vehicles.
Although individual policies may vary, many insurance companies will provide auto coverage for your teen while they have their learner’s permit. Review your policy or ask your insurance agent to be sure.
What Do I Need to Know About Adding a Teen to My Auto Policy?
Due to the heightened risk of insuring a teenage driver, you should expect an increase in your annual premiums after adding a teen to your auto policy. But adding a teen to your car insurance doesn’t have to break the bank. Read on to learn how to help reduce your premium increase after adding a new driver to your insurance.
How Can I Make Adding a Teen Driver Less Expensive?
Here are some tips to help you keep your car insurance affordable when adding a teen to your auto policy:
- Consider asking your teen to postpone getting their license. This may reduce the premium increases associated with having a younger driver on your insurance.
- Choose the right car. Some vehicles are less expensive to insure than others (e.g., sedans, minivans, SUVs). You might also want to consider putting your teen in a used car—as this can lower your premiums.
- Enroll your teen in a safe driving course. A safe driving course can help your teen learn the rules of the road and other safe-driving behaviors.
- Be transparent about safety expectations. Clearly explain your driving rules to your teenager, including never drinking and driving, obeying traffic laws and never texting while driving.
- Increase your collision deductible. This may result in lowered monthly premiums. However, it will also increase your out-of-pocket expenses if there is an accident.
- Look for teen driving discounts. Many insurers offer discounts for students with high GPAs. You may also be able to get discounts for low mileage plans, distant student savings, or by implementing a program to monitor your teen for safe-driving behaviors.
We’re Here to Help
Having a new teen driver can be stressful, but finding the right insurance is one thing you shouldn’t have to worry about. Contact Joe Bill Mettauer Insurance to learn more about our auto insurance coverage options today.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.