For a teenager, getting a driver’s license is a huge milestone. However, as a parent, watching your teen get behind the wheel can be one of the most stressful periods of your life. With the right auto insurance policy, you’ll know your teen is protected on the road. However experienced you might be with purchasing insurance for yourself, teen drivers need a bit more coverage. Here are a few tips for finding the right car insurance policy for your new teen driver.
3 Tips for Buying Auto Insurance for Teen Drivers
1. Pick the Right Car
If your teen will be driving your car, you need to add them to your existing policy. However, if they’ll be using a car of their own, it’s important to have adequate coverage. Look for older vehicles with high safety ratings—rather than buying the newest car on the lot. Older vehicles are more affordable to insure and repair, making them an ideal choice for inexperienced drivers.
2. Ask for Discounts
Most auto insurance providers offer discounts on coverage, but they don’t always advertise them. Before agreeing to a policy, ask your insurance agent if you or your teen are eligible for discounted coverage. Often, good grades can earn your teen a lower monthly premium, and having multiple policies through the same provider will reduce your overall bill each month.
3. Invest in Collision Coverage
Teenage drivers are more likely to be involved in accidents than experienced adults. This increased risk of accidents means they’re more likely to need to file an insurance claim. Consider investing in a quality collision insurance policy, in addition to the state-mandated liability coverage. This way, your teen will be protected no matter who is at fault, and you’ll save money on the cost of car repairs should they be involved in an accident.
Finding auto insurance for your teen doesn’t have to be a challenge. Let the experienced staff at Randolph County Farm Bureau in Asheboro and Randleman, NC, help. They’ll make sure you and your teen have the best insurance available. Learn more about their services online, and see the difference an experienced insurance agent can make in finding affordable and comprehensive coverage. To schedule a consultation, call (336) 629-9187 to reach the Asheboro location and (336) 822-9573 for the Randleman office.