Every family should compare auto insurance coverage proposals when it comes time to add a teen driver to the policy
In most states, insurance coverage is a necessity in order to be able to legally drive and maintain a valid license. Teen drivers are not exempt from those requirements. It's important to compare auto insurance coverage proposals before you decide on a particular policy as insuring a teen can be an expensive prospect. Doing a thorough comparison, you may be able to get a variety of discounts to help keep the cost of insuring your teen driver manageable.
Teens need coverage too
Insurance coverage for a teen involves the same levels of protection as those available for any other driver. In most states, you'll need to purchase a minimal amount of bodily injury and property damage liability insurance mandated by state law. In addition, you may wish to purchase anything from comprehensive coverage (which deals with damages from fires, floods, vandalism and theft) to personal injury protection (which ensures that your teen's medical bills would be covered in the case of an accident). The primary difference you'll find when you compare auto insurance coverage proposals is that your teen's insurance rates may be considerably higher than your own.
Teens can be expensive (duh!)
The reason for the higher rates for teen drivers is that teens are statistically more likely to be involved in a collision. Whenever you consider purchasing a new insurance policy, it's important that you compare auto insurance coverage offered by a variety of companies. You'll likely find that the same coverage levels will have different costs between companies, and simply by directly comparing the policies available, you can save significantly on your premium costs.
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But there are ways you can save
When you compare auto insurance coverage proposals, you'll find that it's generally less expensive to place a teen on a policy with a parent or family than it is to insure the teen alone. Not only do you receive the discounts available for insuring multiple drivers, but many insurers won't charge you additional premiums while the teen is still driving with a learner's permit.
You may also receive a significant discount on the price of insuring a teen who maintains good grades in school. Many insurers offer up to 25 percent off the premium price for a "B" grade point average or higher. You may also be able to get discounts for having your teen successfully complete a driver's training course and for purchasing a vehicle with high safety ratings or that has anti-theft devices installed.
Keep in mind that negative actions on your teen's part can raise your premium rates quickly as well. A single accident or ticket may result in a small rise in premiums, but two or more in any combination can lead to a significant rise in costs.
No matter how many discounts your teen qualifies for, insuring a teen driver will likely add to your family's insurance bill. That's why it's important that you compare auto insurance coverage proposals. Consulting with a local, licensed car insurance agent is a great way to be able to review sample policies for different coverage options before you buy. Reply! can help by getting you in contact with local car insurance professionals experienced in helping families get the coverage they need for teen drivers without busting the family budget.