5 Tips for Adding a Teen to Your Auto Policy

June 21, 2024||inPersonal Insurance|auto insurance, personal insurance

If your teen is approaching driving age, it may be time to start thinking about your plan for adding them to your auto insurance policy. Although this will likely increase your insurance premiums, it is typically cheaper than having your teen purchase an auto policy in their own name. Here are five tips to consider when adding a teen to your auto insurance policy.

Male teen driver
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  1. Be prepared for higher premium costs. On average, annual premiums increase when a teen is added to your insurance—primarily because teenagers are inexperienced drivers and, therefore, more likely to get into accidents. This increased risk translates into higher costs, and premiums may not come back down until your teen is in their 20s. The insurance clock on being experienced typically starts as soon as their license is issued, so putting off licensing only delays the future date that rates reduce for experience.
  2. Pick the right car. Although your teen may be hoping for a shiny new car, putting your teen in a used car is often the less expensive option. The type of vehicle also matters. Sedans, minivans, and SUVs generally have the best rates for teen drivers.
  3. Enroll your teen in a safe driving course. Even though it may not be a requisite for getting their license, a safe driving course will help teach your teen the rules of the road and how to be a safe driver
  4. Increase your collision deductible. Increasing your comprehensive or collision deductible can help you save on monthly premium. However, keep in mind that your out-of-pocket costs will be higher if there is an accident.
  5. Lay out clear safety expectations. Talk to your teen about the importance of safe driving habits, such as obeying traffic laws and never texting and driving.

Finding Discounts

When adding a teen to your auto policy, you may be eligible for discount programs that will help offset the cost increase. Students with high GPAs may qualify for good student discounts. Other discount options include low mileage plans, programs that monitor your teen for safe driving behaviors and bundling options. Contact us today for more coverage guidance.

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At Murphy Insurance, we are here to assist you in obtaining the appropriate auto insurance. Choosing the appropriate auto insurance coverage can be overwhelming. Every insurance company has its unique offerings, making it challenging to compare options effectively. That’s where we shine. We simplify the process by helping you evaluate provider and policy choices, seek out discounts, and optimize your car insurance within your budget constraints. Ultimately, our goal is to provide you with peace of mind, knowing that you and your loved ones are well-protected.