Teen Driver Auto Insurance

​Are you worried about the newly licensed driver in your household? Reduce your stress by understanding the implications for your auto insurance policy. The feeling of having a first-time driver in the house is uncomfortable and worrisome. Immature drivers are more likely to be involved in an accident because they have little driving experience. 

How to Apply for Teen Driver Auto Insurance
1. Make a Call To Your Insurance Agent Before Getting a Learner’s Permit
Your agent or representative can clearly explain the costs of insuring a teen driver. The best part is that as your teen gets older, their insurance rates will fall— as long as they maintain a clean driving record. 

2. Include Your Teen in the Car Insurance Conversation
It's critical to talk to your child about the connection between driving and accountabilities, including insurance rates. Also, explain and emphasize driving safety precautions and the real consequences of offenses or accidents, such as increased insurance costs.

3. Encourage Good Behavior
Automobile insurers provide discounts or lower premiums to:

• Students who maintain a "B" average or higher in school
• Teens who complete a recognized driver education course
• Students who do not drive to campus

4. Assign the Most Appropriate Vehicle to Your Teen
Find out how your insurer involves assigning drivers to cars. Some insurance companies will assign your child to the most expensive car. So it is best to assign your teen to the least valuable car if possible.

It is important to note that there can be no exceptions with this type of arrangement; your teen must use only the car to which they have been assigned, even in an emergency. When your teen gets involved in an accident with an unassigned car, charges may be levied, and your premium costs may rise.

Conclusion
It is generally less expensive for parents to add teenagers to their auto insurance policy than for teenagers to purchase one on their own. Also, the good news is that you may be able to receive a multi-vehicle discount if you insure your teen's car with your existing insurance provider.

At UG Insurance Brokerage Inc, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at  (718) 848-7777. Get your free quote today by CLICKING HERE.  Coverage discussed in this article is not guaranteed. Please contact our agents today to ensure that your needs are being met and learn more about your policy. We are happy to help!