Adding Teen Drivers to Your Policy

There are many things to consider when deciding whether or not to add your teen to your policy. Here are a few advantages:

1.You can share cars:

You’ll be covered if your teen drives your car. All covered drivers have access to all vehicles on the policy.

2. Make sure they’re properly covered:

You’ll easily be able to see, add, and update their coverages.

3. Multi car discount:

The expense of insuring a young driver can be offset by a multi car discount if your teenager has their own vehicle. Call us to learn more – 362-1818.

4. Good student discount:

Many insurers offer good student discounts. Most discounts have a GPA requirement  (for having a B average or better) and apply as long as your child lives with you.

How coverages work with teenagerss

Your teenager drives your car and damages it

It should be covered if you added comprehensive or collision for your car. You’ll just have to pay the deductible. FYI: You add comprehensive and collision specific to each car, not each driver.

You drive your teenager’s car and damage it

Similar to above, it should be covered if comprehensive and collision were added.

Your teenager drives your car and hits someone else

They’re typically covered. If they’re at fault, any damages they cause to other cars, property (mailboxes, phone poles, etc.), and others’ injuries are usually covered by bodily injury and property damage liability.