If your teenager is approaching driving age, it may be a good time to think about adding them to your auto policy. Scary as it may seem to have them driving on their own, them being uninsured would be even scarier! Check out our tips for adding your teen driver, including a few that might help ease your anxiety once they officially take the wheel.
- Prepare for higher premiums – On average, annual premiums increase when a teen is added to your insurance — primarily because they’re inexperience drivers and therefore more likely to get into accidents. This increased risk translates into higher costs, which may not come back down until they’re in their 20’s.
- Pick the right car – Although your teen may want a shiny new convertible, something used is often a better choice. The type of vehicle can have an impact, too: sedans, minivans and SUVs typically guarantee the best rates for teen drivers.
- Enroll your teen in a safe driving course — Even though it may not be a requisite for getting their license, safe driving courses teach your teen the rules of the road and how to best conduct themselves while driving.
- Consider postponing — Younger drivers generally have higher auto rates than older ones. Thus, if your teen doesn’t actually need to drive in order to get to say, work or school, you may want to have them consider postponing for a year or two.
- Consider increasing your collision deductible – Increasing your comprehensive or collision deductible can help you save on a monthly premium, but bear in mind that your out-of-pocket costs will be higher if there is an accident.
- Lay out clear safety expectations – Talk to your teen about the importance of safe driving habits, such as obeying traffic laws and never texting while driving.
Robins will help you find sufficient coverage and are here to help guide you. Click the “Request a Consultation” button at the top of this page or email us at insurance@robinsins.com.