Maneuvering Your Way Around Teen Auto Insurance

Don’t take the long way round when you add your teen to your auto insurance.Teen Driver & Auto Insurance San Gabriel

Adding your teenage driver onto your car insurance policy is a big step for you and your child to take. Luckily, there are ways to lower the cost of the insurance rates so that you can ease into the experience of your child taking the wheel.

Most insurers don’t require you to formally add your teen driver to the policy until he or she becomes a licensed driver. Despite this, you should notify your car insurance provider when your teen has their learner’s permit and will be behind the wheel of the family car. Once your child has passed their test and has their license in hand, a new policy must be purchased or they must be added to your current policy.

Almost always, auto insurance rates go up when you add a teen driver to the policy. This is because teenagers are some of the highest-risk drivers and more frequently get into car accidents (usually due to lack of experience). Fortunately, there are ways to help to reduce the policy rate:

  • Sensible vehicles with high safety ratings will be cheaper to insure over expensive cars.
  • A discount may be available if you insure multiple vehicles with the same company.
  • Increase your deductible – only if you are prepared to pay the deductible in the event of an accident.
  • If you have an old car with little monetary value, it may not be worth buying collision and comprehensive coverage.
  • Look into Good Student Discounts for teenagers who average good grades at school or college.
  • Encourage your child to complete a driver’s education course as this may result in a discounted premium.
  • Remind your teenage driver the importance of maintaining a clean driving record.

With good preparation and a focus on safe driving, you can effectively get affordable teen car insurance. Do you have the auto insurance that suits your family’s needs and budget? To get the right California coverage for your vehicle, contact Pulp Street Insurance Agency. We are committed to protecting drivers in San Gabriel, Westminster, and surrounding areas.

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