As a parent, you want your teen to be safe on the roads. It’s important to understand when and how you need to add your teen driver to your auto insurance policy. Knowing the rules can help you save money and keep your family safe. Let’s take a look at what you need to know about adding a teen driver to your car insurance policy. Our auto insurance in Charleston experts have the answers you need to keep yourself and your teen safe.
Any Driver Behind the Wheel Necessarily Needs to Be Covered By Auto Insurance
In most states, drivers of any age must carry at least liability insurance coverage. This means that if your teen is driving a car that is registered in your name, they must be added to your policy and covered by insurance while they are driving it. If they are driving another person’s vehicle, you should check with their insurer first to make sure they’re covered under that policy before letting them drive it.
Unfortunately, Things Vary – So Knowing Your Specific State Laws is Critical!
It’s also important that parents keep in mind their state’s minimum auto insurance requirements for teenagers, as some states may require additional coverage for teens who are just starting out driving. In some cases, this could mean increasing the amount of liability coverage or purchasing additional uninsured/underinsured motorist coverage in case the teen is involved in an accident with someone who doesn’t have enough (or any) insurance coverage.
Before Calling, Have the Information You’ll Need Ready
When adding a teenager to an existing policy, many insurers will require additional information from them, such as their driver’s license number and past driving experience (if any). Additionally, insurers may also request information about where the teen will be primarily driving and how many miles they’ll be traveling each month. Providing this information can help insurers provide more accurate rates based on risk factors associated with each individual driver.
We Take the Mystery Out of Auto Insurance, Even For Teens!
Adding a teenage driver to an existing auto insurance policy can be confusing, but it doesn’t have to be overwhelming! Taking the time to understand state laws and researching different options can help parents make informed decisions about car insurance for their teens. By taking into account factors such as the type of car being driven, where the teen will be driving, and how many miles they’ll travel each month, parents can find suitable auto insurance policies that fit within their budget while still providing adequate protection for their teens on the road!
If you have a new student driver or your teen will soon be driving with a permit, now is the time to call Abri. Our team of auto insurance in Charleston experts can walk you through the process to make sure that both you and your teen are covered for all that can happen behind the wheel. Contact us today to get started!