Your teenager is ready to drive. It can be a stressful situation if you need to be sufficiently prepared. To have true peace of mind, you need trust in your child and a good auto insurance policy. Including a teen driver on your auto insurance policy is easy, but it will boost your premiums when it comes to price. You do have a few options to consider.
When you are ready to insure your teenage driver, you have two options. You can purchase a policy for them or add them to your existing policy. Adding them to your insurance is much more cost-effective than buying one just for them. Their lack of experience and age will result in a pricey policy.
If you add your teen driver to your existing policy, they will be covered in the same ways and for the same amounts as you are. All of the coverages will be extended to them at a much more affordable price than if you were to buy them their separate policy.
Insuring a teen driver is more expensive for many reasons. They usually need to be more focused and are still learning to judge speed and distance. Their age, where they live, and vehicle type will also play a role in determining the cost of their premiums. As they gain more experience and age, you may notice a decrease in their premiums.
The older your child gets, may lower your policy premiums slightly. As they get older and more familiar with their vehicle and driving, they will become more responsible behind the wheel. The longer they can go without having an accident or receiving a citation, the better off they will be.
Many insurance carriers understand that not all teens are the same. They offer special discounts teens can earn as they prove their responsibility. A good student with high grades will be considered more responsible. Students who are employed are also considered a reasonable risk. Qualifying for a good student discount is as easy as reporting your child's grades every few months.
Adding a teenage driver to your insurance is less stressful than handing them the keys to the family car. A good insurance policy will give you peace of mind and a sense of well-being, knowing your family is protected. Contact us at J & A Insurance today and talk to one of our agents. We can review your policy with you and add your teen driver in just a few minutes.