Ask These Three Questions When Buying Car Insurance for Teens
After hours of practice on side streets and highways, it's finally happened – your teen has a driver's license. But before they get behind the wheel, alone for the first time, make sure you get car insurance for your teen. You'll have several options when buying insurance for teen drivers, so ask these three questions to make sure your teen is protected on the road.
What coverage options are needed when buying car insurance for new drivers?
Depending on your teen's vehicle, state of residence and other factors, your insurance agent may recommend a combination of policy options. Basic options include liability, collision and comprehensive coverage, which are standard on most policies. If you and your agent decide they're necessary, additional options such as uninsured or underinsured motorist coverage, can be added to your teen's policy. Each driver has unique coverage needs, and understanding those needs can help make sure your teen is protected in case of an accident.
What discounts are available for new driver insurance?
Teen drivers are less experienced behind the wheel than adults, which is why car insurance for new drivers is generally more expensive. To keep the costs under control, ask your agent about a good student car insurance discount, multi-car discount or air bag discount. These and other discounts can be combined to make new driver insurance a lot more affordable.
Does my teen have enough experience behind the wheel?
The most effective way to keep auto insurance rates low is a clean driving record. Even if your teen is allowed to drive independently, you may want to plan an occasional driving practice session to check their progress. You can offer advice and answer questions about the rules of the road while helping to improve their driving skills.
The number of new driver insurance options can seem overwhelming at first. To simplify the process, talk to your agent to determine the coverage your teen needs, and keep these three questions in mind when getting insurance for a new driver.
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