YOUR AUTO INSURANCE RISK AND TEEN DRIVERS
Driving may be a rite of passage for teenagers, but for parents, having a teenage driver can be stressful and expensive. Passing the driving test and deciding what vehicle to drive are minor concerns when compared to the impact auto insurance has with youthful drivers. Insurance is expensive for youthful drivers for one primary reason, inexperienced drivers have a high propensity to cause accidents.

Safety and Savings Go Together
Your child will need auto insurance coverage as soon as they receive their driver’s license. Here are some important considerations.
- Check with your insurer to see how your premiums may be affected. Expect that they could rise dramatically; however, savings may be found through multi-vehicle and good student discounts.
- Consider the right vehicle type for ultimate safety. Think somewhere between the large, expensive SUV and the compact, budget vehicle.
- Discuss your options with your insurance agent.
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Consider Your Teen Driver’s Coverage Choices
Most personal auto policies won’t cover a driver transporting goods or services in exchange for a wage. So, if your teen is planning on becoming a pizza delivery driver or Uber driver, contact your insurance agent in advance to determine how to be properly protected.
Find Ways to Save Money
- Consider vehicles with high safety ratings over sportier, more-expensive cars.
- Think about raising your policy’s deductibles across the board.
- Reassess your need for collision or comprehensive coverage for vehicles that have a value less than $3,000. Discuss “Limited Property Damage” with your Agent.
- Ask about “occasional” or “pleasure only” discounts, which may apply to children away at school.
- Explore usage-based insurance, which involves installing a device in the vehicle that monitors driving behavior and rewards good driving. It’s also a way to keep tabs on your teen’s driving.
- Have your teen complete a driver’s education course
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