When a teenager obtains his or her driver’s license or even just a permit in La Verne, CA, you will need to add him or her to an auto policy. Car insurance must consider all of the potential drivers and a teenager has a higher risk of getting into an accident because of his or her lack of experience behind the wheel. Recognizing your options and ways to cut back on the price can help you avoid expensive protection plans.
Inform the Insurer
If you want to add your teen driver to your policy, then inform the insurance provider as soon as your teenager has a permit. Although some companies will not add the driver to your account until after he or she is licensed, you must have coverage to ensure that an accident will not result in a large financial loss.
Consider a Separate Plan
Whenever your insurer does not offer an excellent rate, you may consider alternative policies. You can buy a separate policy for your teen driver if you do not want to add him or her to a current plan.
There are discounts that are designed to assist young drivers who may have limited experience or a limited driving history. A good student discount and discounts for taking a defensive driving course can help you reduce the rate and get a fair policy for your young driver. A teenager has limited options, so you may want to contact your insurer to ask about reduced rates, promotions and discounts that can apply.
Teenagers will usually have a higher-than-average rate for auto insurance due to the possible risks associated with young drivers and the statistical details that relate to accidents. To learn more about saving on coverage, contact us to talk to an agent today.