Youthful Operators
Whether you’re a teen who has never driven and insured a car before, or the parent of a teen who is just planning to drive for the first time, there is much to know about purchasing auto insurance for teen or first-time drivers. Being educated on the insurance buying process will save you time, effort, and money throughout the transaction.
- If you are not adding a vehicle, the new teen driver usually needs to be rated as a primary driver on one of the family vehicles. A special form is required by the state to obtain an individual license.
- Your insurance rates will typically increase when a new driver or teen driver is added to a policy. Find out if you qualify for any auto insurance discounts in your area, such as a Good Student Discount or Safe Driver programs.
- Talk with your teenager about safe driving, as well as how traffic violations will affect your rates.
- If you are buying a new vehicle, you may want to consider which vehicles get the lowest rates.
- Consider getting a Personal Umbrella Policy. In the event you or your teen driver accidentally injures someone or damages their property, you could be sued.
Common facts: It’s usually cheaper to add your teen driver to the family plan versus buying separate auto insurance:
- The teen shares in the savings you get for things like owning a home, being married, having an established credit history, and having a safer driving record.
- The teen receives a break on your rate with the family’s loyalty or long-term discounts.
- It costs less to insure when the rate is split across other cars than it would be to insure it by itself.
Ready to add a teen driver to your policy? Get a quote today.
