One day they’re learning to ride a bike; the next, it seems they’re in the car ready to hit the road. Learning to drive is an exciting time in a teenager’s life, but it can be oh-so nerve-racking for parents. Protecting a new driver and their vehicle with car insurance is a necessary step in minimizing your risks should they have an accident. Review this guide to learn how to insure your young driver and how to take advantage of any available discounts to keep the cost of insurance down.

Adding a Young Driver to Your Car Insurance Policy

When a young driver in your household acquires their driver’s license, they must have insurance. The penalties for driving without insurance coverage are severe. Your insurance agency likely knows when your children are approaching driving age and may proactively contact you about insuring them. If not, give your insurance agency a call as soon as they get their learner’s permit to discuss your insurance options and rates. Newly licensed drivers will need to be added to your policy or obtain their own policy. Talk with young drivers about keeping their insurance cards in an easy-to-find place so that they can present proof of insurance to the police if they get pulled over. 

Car Insurance Discounts

It’s more expensive to ensure younger drivers because they have a higher risk of getting into accidents compared with drivers in other age ranges. To keep your premiums from going through the roof, take advantage of any discounts available to you. Insurance companies might offer discounts for good grades, for taking driver’s education courses, or for having dashboard cameras and tracking devices in the car.

When you’re ready to get car insurance for a young driver, contact A.W. Adams Insurance in Clayton, GA.  They’ve been serving Rabun County residents since 1965, including the communities of Tiger, Wiley, Tallulah Falls, Sky Valley, Lakemont, Lake Burton, and Lake Rabun. Visit their website for more details about car insurance, or call (706) 782-5100 to speak with an agent.