Teen Driver Auto Insurance Question
Reader’s Question:
I have two teenage daughters that are going to be 16 in a few months. They will be obtaining their license shortly after that. Will they automatically be insured once they get their license on my insurance policy? They will only be driving with an adult. Do I have to add them on my insurance policy? As long as they drive one of my vehicles are they covered?
Howard
Bridgeport, CT
Insurance guidelines and state laws differ so you will need to inform your insurance company’s agent and discuss the licensing of your teenage daughters and when they will need to be added to the policy.
An insurance company is allowed to consider all resident operators of an insured car in rating of an auto insurance policy. This includes your teens, even if he or she has only a learner’s permit.
Some insurance providers will not require children to be added during the permit stage but will once they obtain their junior, provisional or full license. Other insurance companies have internal guidelines that require you to add your teens as soon as they start the licensing process. If you want to know the state laws regarding auto insurance for teens you can contact your state’s insurance regulator.
Sports Car Insurance Rate For Teen Driver in Florida
Reader’s Question:
Why does my son’s car insurance charge more for his sports car than my work car, even though he drives much less than I do each year? We live in Florida.
Miami, Florida (FL)
Florida insurance companies normally dislike teenagers in flashy cars because such cars are so easy to drive recklessly compared to old and heavier cars. This results to a higher insurance rate increase for sports car than the increase for a slower, older, and cheaper model. Also, consumer might consider dropping comprehensive and collision coverage. The value of the car also impinges on the cost of insurance. The more expensive your car, the higher your insurance rate is. You have proven yourself as a better more reliable driver over the years and your rates will be lower because of that…and your work car is probably not in the same risk category as your sons car. Fast cars and teen boys….means risk! More risk, higher your rates. Drive a Honda Civic….and get a daughter. 
New Car For My Teen Son Costs As Much as The Auto Insurance Premiums!
Reader’s Question:
I bought my teenage son a new car. After getting quotes from auto insurance companies in South Dakota, I realized auto insurance for teenagers have higher premiums. Is there any way I can lessen charges for my son’s car insurance?
Jenny
Sioux Falls, SD
Most insurance companies charge higher premiums for auto insurance for teenagers because teenagers are assumed to be more accident-prone and reckless compared to adults. But still there are ways in which you can lessen the charges for your son’s insurance in South Dakota. To get a better deal, you need to put emphasis on the importance of a clean driving record for your son. Such can be done by observing traffic laws and avoiding speeding tickets and any other traffic violations at all costs.
Premium payments are usually less for auto insurance with a greater deductible. In your choice of car, choose one that has more advanced safety features to avoid having a hazard in the high ranking class which can increase premiums. By getting a stand-alone policy, you son will be responsible for his own insurance and he will only be allowed daylight driving, a certificate from a driving school, among others. It would also help if you make your son accountable for whatever happens to his car by working part-time so he can pay for half of his car’s premium. That way, you do not only reduce cost, you also inculcate in him the value of responsibility.
Teen Driver Car Insurance Discount
Reader’s Question:
Can school grades or enrolling in driving school help reduce insurance cost for my son’s car?
Michelle
St. Petersburg, FL
Yes.
Try to look for insurance companies that offer discounts to students who maintain a B average or higher. As much as 25% discount is usually granted for such. Also, substantial discounts are given by most insurance companies to teenagers who graduate from safe driving program or driver’s education class. So you might want to consider enrolling your son in a driving school if he will be a first time driver.
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