Campbellsville, Kentucky
300 N. Bypass
Campbellsville, KY 42718
(270) 465-2717

Car Insurance: What to Consider When Adding a Teen Driver to Your Policy January 23, 2017

Campbellsville, Taylor
Car Insurance: What to Consider When Adding a Teen Driver to Your Policy, Campbellsville, Kentucky

Every parent is apprehensive about the day their teenager gets behind the wheel, and for good reason. A learner's permit is a rite of passage, but it means your car insurance rates will go up when you add your child to your policy. Adding a teen driver to your coverage often is expensive, so it's important to ensure your family and assets are protected. Reed Brothers Insurance in Campbellsville, KY, would like to explain a few aspects to consider when insuring a teen driver.

Ask Your Agent When To Add New Drivers To Your Car Insurance

Many insurance agencies have drop-down provisions in their car insurance policies that significantly reduce the coverage for any driver not explicitly listed. Some insurers prefer a teen driver to be added to their parents’ plan when they first start learning to drive, while others require you to wait until they're a licensed driver. Before your teen gets behind the wheel, check with your insurance agent about adding them to your policy.

Increase Your Liability Maximum

auto insurance Campbellsville KYAccording to the Centers for Disease Control, teenage drivers are nearly three times as likely to cause a fatal accident than people in any other age group. If your teen driver causes an accident that results in a serious injury or property damage, the victims are entitled to file a claim against you, so it's in your best interest to raise your liability limits until your child is older. By increasing your deductible, you might provide the coverage your family needs without increasing your monthly premium.

For over a century, Reed Brothers Insurance has been helping drivers throughout south-central Kentucky get the car insurance they need. Visit their website to learn more about their auto policies, and call (270) 465-2717 to make an appointment with an insurance coverage expert.

Other Announcements, Events and Deals from Reed Brothers Insurance
What's the Average Cost of Renters Insurance?, Campbellsville, Kentucky
If you don’t own your home, a renters insurance policy provides essential protections for your most valuable belongings, compensating you for anything damaged in a covered event. As ...read more
3 Tips for Choosing the Right Home Insurance Deductible, Campbellsville, Kentucky
Your home insurance deductible is the amount you must pay out-of-pocket before your insurer starts to contribute. Its purpose is to prevent homeowners from willfully damaging their h...read more
How to Know if You Need Life Insurance, Campbellsville, Kentucky
While no one wants to talk about their death, it's an inevitability everyone must prepare for. For most individuals, the best way to do so is to purchase life insurance, yet, many pe...read more
How to Determine the Right Amount of Renters Insurance Coverage for Your Needs, Campbellsville, Kentucky
When you rent your living space, it’s important to understand your landlord isn’t responsible for protecting your personal possessions from theft or damage. This is why it’s strongly...read more
5 Factors That Influence Your Auto Insurance Premiums, Campbellsville, Kentucky
Every driver needs auto insurance, and finding the right deal is important. No two drivers are alike, so no two premiums will be the same; but unless you’re familiar with the in...read more