Tips for Adding Your Teenage Driver on Your Policy

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So your teen is preparing and ready to drive. Well we have good news – there are several things you can do to save time and money. Consumer Analyst Penny Gusner give us the following tips:

  • Begin the insurance process is before your teen driver gets a learner’s permit and find out from your insurer what the cost will be to add your teen once licensed.
  • Compare car insurance rates from at least three companies, as the rates insurers charge for adding a teen can vary by a huge amount. That means your current insurer may not have the lowest price once your teen is on your policy.
  • Adding a teen driver to your policy will almost always be significantly cheaper than the teen having coverage through his or her own policy.
  • Check with your insurer if your policy will automatically cover your teen at no cost while driving with a learner’s permit.
  • Once your teen is licensed, you need to contact your insurance company and let them know
  • If possible, add your teen driver as the primary driver for the cheapest car listed on your policy, it may help save you money.
  • Be sure to ask for discounts to mitigate the cost, for example those for students who earn good grades, students who live away from home, drivers who complete a defensive driving course and discounts for low-mileage and multiple cars.

For more ideas, read our recent article “Do You Need Business Interruption Insurance?”

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