For your teen, learning how to drive is one of the most exciting times of their lives. Finally, a means to freedom so they think. We all remember the excitement of getting our driver’s permit, then our driver’s license. While your teen driving has its benefits, it also comes with a great amount of responsibility. Reminding your child that driving is a privilege and not a right can help them to remain in control and not distracted while driving.
For you, it is important to understand when to add your teen driver to your insurance policy. While each state requirements vary, in most cases your auto insurance policy will cover your permitted driver until they acquire their driver’s license. At that point, you’ll want to add them as a driver to the insurance policy even if they do not have their own vehicle.
Avoiding adding your teen driver to the policy is not only against your insurance policy language, but can lead to a dreaded claims denial if your teen is involved in an accident and it is determined you purposefully avoided adding them. Be sure to contact your agent to discuss your options and determine when the best time to add the driver to your policy is.
Some things to keep in mind:
- Some carriers offer Good Student Discounts if your student keeps their grades up.
- If your teen child is doing delivery as a job such as pizza delivery or newspapers, this requires a special commercial policy.
- Even if your rates go up because your child is on your insurance policy, if they have their own vehicle this could net you a multi-vehicle discount on your policy.
- Having your teen on their own policy will likely lead to higher premiums.
Keeping your teen safe on the road is your number one priority. Keeping your family insured with the right coverage is ours. If you have a teen driver in the household, be sure to contact our agency to discuss what options might be right for your situation.
If you have questions about your auto insurance, call the insurance agents at Kuresman Insurance. Kuresman Insurance Agency has been serving the Olympic Peninsula for over 65 years from our Silverdale location. We are a locally owned company that serves individuals, families, and business owners in our community. You can trust our insurance specialists to help you get the best insurance deals available in the market. Whether you require insurance for your home, personal auto, or business we have you covered. What sets us apart from the competition is our dedication to customer satisfaction. Call us today at 360-692-6131 and see why so many in Washington choose Kuresman Insurance.