Teenagers need to be added to the auto insurance policy in Pomona, CA once they are licensed. Even though it may cost more, if your teenager is going to be driving, they need to be added per the law. While you need to add them to the policy once they are licensed, the best time to begin the process with THINK Insurance & Financial Services is before they get their learner’s permit. This will help you understand the added costs. Adding a teen driver to the policy will usually be much cheaper than getting the teen his or her own policy.
If you are looking to save money on adding your teenage driver, try adding your teen driver as the primary driver for the cheapest car that is listed on the policy. Be sure to ask for any discounts that could help with the costs. Some companies offer discounts for students who earn good grades or for those who complete a defensive driving course. You may also be able to get a discount by bundling policies with the same insurance carrier.
It’s recommended that you get full coverage for the teen driver, which includes the minimum liability coverage in the state as well as comprehensive and collision damage. You may want to consider adding some more liability coverage because, if your teen gets into an accident, it’s the parents’ assets that will be at risk if there is a liability claim. If your teen is going to have his or her own car, choose one that doesn’t have a powerful engine and one that comes equipped with safety features. Models that are rated as sports models are usually more money to insure. If your teen is gong to be heading off to college and not taking the car, let your insurance company know and you may be able to save money.
Contact THINK Insurance & Financial Services, serving Pomona, CA, to get a quote on car insurance.