After helping them get over their first heartbreak, helping your teen find auto insurance will prove to be much, much simpler.
They sure grow up fast, don't they? It seems just like yesterday you were pushing them in their miniature car-shaped carriage as they pretended to steer the wheel. Now they're old enough to drive real cars, and maybe drive you around for a change! But before they do, they're going to need the proper
auto insurance. You can either add your teen to your existing policy, or you can purchase a separate auto insurance policy. We'll help you decide which option is best for you by laying out the pros and cons of each.
Adding a teen to your existing policy.
Pros:
- Your policy's coverage, limits, and deductibles apply to your teen as well.
- Customers who insure one car with multiple drivers may qualify for the Multi-Car Discount.
- You can share policy perks that you've accrued through years of good driving.
Cons:
- You could face a possible increase in premium due to a new driver. Teen drivers are three times more likely to be involved in an accident.
Purchasing a separate car insurance policy.
For many parents, this is option B for one reason: The cost of separate policies is usually higher than the cost of simply adding another driver.
If, however, the parent was recently involved in a traffic violation (like a DUI or reckless driving charge), adding a teen driver may actually cost more than purchasing a separate policy for them.
Whichever situation you find yourself in, it's important that you take one of these actions before your teen hits the road. For all of your
car coverage needs to keep all of your vehicles protected,
contact C.V. Mason Insurance Agency in Bristol, Connecticut. We will work with you to ensure you have the right amount of coverage, all at the right price to fit your budget.
