Why Adding a Teenage Driver to Your Car Insurance Is Important?

Why Adding a Teenage Driver to Your Car Insurance Is Important?

Dec 14, 2022

Auto Insurance

Car insurance for teenagers

All drivers must have insurance before they legally start driving. So, when your teenager starts driving a car, you need to make sure that they have car insurance. An effective solution for this is to add your teenager to your car insurance. This is important if the teenager is living with you and driving your car.

In this article, let us discuss the need to add the teenager’s name to your car insurance. Keep reading to know more on this topic so that you can get the right auto insurance for yourself.

Why Must I Add My Teenager to My Car Insurance?

Young drivers, like a teenager, are inexperienced, so they are at a high risk of getting involved in accidents while driving. This means getting a new insurance policy for a teen driver can be expensive. Hence, it is more convenient that you add your teenager to your auto insurance policy.

Benefits of Adding a Teenage Driver to My Car Insurance

The benefits of adding a teenage driver to your insurance are enlisted below.

  • Saves Money – The insurance premiums are relatively low for adding the teenage driver’s name to your insurance than buying a separate insurance policy. So, it saves you money.

  • Plenty of Discounts - Many insurance companies offer discounts for young drivers, like student discounts, defensive driving course discounts, and others.

  • Hassle-free policy experience – You wouldn’t have to keep track of multiple policies, so adding the name to your auto insurance is a good option.

Cost of Adding a Teen Driver to Your Car Policy

Insurance policy coverage for new drivers is expensive because of the high possibility of accidents caused due to lack of experience. This is the reason why adding a teen driver to the policy becomes expensive, as it provides additional coverage. This increases your insurance premium rates making your policy expensive.

Steps to Add a Teenage Driver to Your Car Insurance

If you are planning to add your teenager to your insurance policy, then follow the steps given below.

  1. Talk to your insurance provider and get a quote.
  2. Explore the market and check other insurance policies as well.
  3. Ask for discounts
  4. Compare the best options available in the market.
  5. Finalize the most suitable auto insurance as per your needs.

What Happens If You Don’t Add Your Teenager to Your Car Insurance?

Firstly, it is illegal to drive without insurance, and as a parent, you will be held responsible for this. Secondly, if your teenager doesn't have car insurance and they cause any damage or accident, then the insurance company has all the right to deny your claim. This means that despite having an insurance policy, you will have to pay for all the damages from your pocket. Also, if your insurance provider pays the claim for an uninsured teenage driver, they may refuse to renew your policy for the new term.

Cover Yourself on Road with Teenage Driver Insurance at East End Insurance

Teenage drivers are a high-risk group and getting the right insurance for them will financially secure you against loss. Contact our team at East End Insurance today to learn more about the best auto insurance policy coverages. We can help to get you a customized auto insurance policy that aligns with your unique needs and budget.

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