Tips to Consider When Adding Your Teen to Your Auto Insurance Policy

When your teenager starts to drive, you can experience a lot of mixed emotions to go with all of the extra things you will need to be doing so they can drive legally. Typically, adding your teen to your auto insurance policy can increase your insurance rate by 130%. However, you can do several things to add a teenage driver to your auto insurance policy so that all of your bases are covered. It will also give you the peace of mind you need to feel comfortable when your teen takes to the streets on their own. Teaching them everything you know about driving and providing them with adequate insurance coverage is the foundation for being a responsible driver and a respectable adult.

Opting for Separate or Shared Policies?

One of the biggest questions you may have to think about is whether to share an auto insurance policy with your teen or get them one of their own. Including them in your policy may be cost-effective for both of you, but there are instances that providing them with their own policy may make it easier for them. This is especially true if they are going off to college in a short period with no access to the car. However, if you add your child to your current vehicle insurance policy, list yourself or your spouse as the family vehicle’s primary driver. Doing so will help you save on the insurance premiums because younger drivers in the household usually do not use the vehicle as often. Either way, your teen is covered, and you will have the peace of mind you need to feel secure.

Compare While Insurance Shopping to Find the Best Premiums

Before you purchase any insurance policy, you need to do a little comparison shopping. Even the same insurance provider often has different types of insurance plans in the same budget. Therefore, analyze the different plans available and thoroughly discuss your insurance preferences and budget with your agent. This will give you an idea about the auto insurance plans available to you.  Call and schedule an appointment to review your existing policy. Reviewing your existing policy will help you determine whether any alterations are needed in it or if your old policy is best suited for you and your family.

Look for New Driver Discounts on Your Auto Insurance Coverage

As a new driver, your teen is eligible for a few discounts you may not be aware of. A safe driver discount can be earned by simply following the road rules and not getting any tickets or citations. A teenage student driver can also qualify for a good student discount. If your student has a high GPA and can maintain it, they will be eligible for this discount. However, the first time their grades drop, they may lose it until they bring their grades back up. Insurance agents will often look for more discounts for students and parents who do what it takes to lower their potential risk.

Adding your teen to your auto insurance policy isn’t difficult if you have a good agent and a respected carrier. The insurance professionals at Action Insurance Group are always willing to go over and above your expectations when providing you quality service. When you need to add your teen to your insurance policy, come to our team of experienced insurance professionals who will make the process go as smoothly as possible!

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