If you're looking for teen car insurance Progressive makes it easy to add it to your family’s current coverage
Many parents don't know whether to add new teen drivers to their own policy or have the teenager obtain a separate car insurance policy. If you are going to be adding teenagers to your Progressive family car insurance coverage, there are a few things you’ll want to know.
Laws and licensing
As soon as your teenager begins training to be a licensed driver, it is very important that you let your insurance agent know that you may be adding another driver to your car insurance policy. How soon your teen driver needs to be fully added to your family’s car insurance coverage will depend on what the laws of licensing and insurance coverage are in your state.
Most states have recently adopted teen driving programs that “phase-in” full driving privileges. These Graduated Drivers License (GDL) bring young drivers along, requiring them to meet certain testing and driving thresholds over a longer period of time (in some cases, years) before bestowing full driving privileges.
In addition to these GDL programs, states require that all licensed drivers carry a minimum level of car insurance coverage. When you are considering adding your teen driver to your Progressive family car insurance coverage, you will want to be sure that whatever coverage you provide your teen driver meets your state’s requirements for car insurance and works within the guidelines of a GDL program (if your state has one).
Costs
With Progressive family car insurance, adding teenagers to the family’s car insurance policy will cause your policy costs to go up (in some cases, your costs could double or even triple.) The primary reason is because teenagers are, generally, inexperienced drivers and the risk of teenagers getting into an accident is significantly higher than that for adults. Adding a teenager to an existing Progressive car insurance policy is still usually cheaper than taking out a separate policy just to cover a teen driver.
Get a free quote for adding a teen to your car insurance coverage
You should also know that when you add your teenager as an occasional driver on your vehicle, you are financially liable for any accidents your child causes while driving it. This is one reason why some insurance professionals suggest you acquire a liability umbrella policy when adding teenaged drivers to your car insurance coverage. You can get a $1 million umbrella liability policy from Progressive for about $350 a year.
If your teenage driver owns his/her own vehicle, acquiring Progressive car insurance in your child's name may be a good option for your circumstances. Your child would then be in charge of paying the insurance bill, and all the liability falls on him/her. If your teen does get into an accident, only his/her driving record will be affected, instead of yours being affected as well.
(Use this guide to see all your auto insurance options with Progressive)
Bringing new drivers along in both training and insurance coverage can be a challenge for a family and since every state has different licensing and insurance requirements, you'll want to talk to your insurance agent to determine the best option for you and your family. Reply! can help you in this effort by connecting you to local insurance professionals with the experience you’ll need to craft an auto insurance coverage plan to meet all your needs.