Adding My 16 Year Old Daughter To My Car Insurance Policy?

Reader’s Question:

I am from Nevada and am thinking of adding my 16-year-old daughter who has no driver’s license yet under my car insurance policy. Would it be a smart move, or would it just raise my car insurance premiums?

Belinda

Reno, NV

The State of Nevada mandates that the minimum age to apply for a full driver’s license is sixteen. With this in mind, your daughter needs to have a driver’s license first before she can be listed under your insurance policy. You must remember that young drivers are expected to meet 50 hours of behind-the-wheel experience, with 10 hours completed in darkness.

Nevada laws also require a licensed driver who is 21 years old or older and has been a driver’s license holder for at least a year seated next to the young driver at all times. If driver education is not available within your area, and you do not have internet access to have your daughter take an online driver education course, your daughter is required to complete 100 hours of supervised driving, with 10 hours of that completed in darkness.

About your insurance premiums, always bear in mind that car insurers generally charge the highest premiums for drivers under the age of 25. A number of factors can affect the cost of having your teen under your policy. These may include your daughter’s performance in school, how often she is accompanied in the car by an adult, or the type of vehicle she drives. Sporty or large cars generally cause more serious damage and will cost more to insure.

If you would really like to save money on your insurance rates, have your daughter take the certified driver’s education course since most car insurance providers give discounts to teens that have successfully completed the course.

Teen Car Insurance Rates In Utah

Reader’s Question:

I bought my teenage son his first car here in Utah. Is there a way that I can save on his car insurance?

Roger

Salt Lake City, UT

The occurrence of car insurance claims for accidents involving teenage drivers are usually higher, which means that getting your teenage son car insurance will be expensive for you. However, if your son can maintain a clean driving record, his car insurance rates will most likely be reduced with age. Try to educate your teenage son about being a good and responsible driver.

And along with responsibility comes the significance of having car insurance. Try explaining to him the functions and relevance of car insurance and why a teenage driver like him needs to have one. Don’t forget to remind him as well about the expenses and costs of car insurance premiums, so that he’ll have a better understanding of how to save up for it. Why don’t you let your son share with you some of the costs for his car insurance premiums? That way, his mind can focus on driving safely because he knows that if he damages the car, his insurance rates might go up. Also, tell him about the effect of traffic violation tickets on car insurance rates. The more tickets you get, the higher premiums you pay.

If you want to get cheaper rates, there are insurance companies in Utah that give discounts on their policies. Just make sure that your son has a good record without traffic violations or insurance claims.

There are also discounts for good driving students especially if you’re adding your teenage son to your car insurance policy. Try surfing the web for free online quotes or call your local agent to find more about how you can save up on your son’s car insurance rates.

Young Driver Auto Insurance Cost For 18 Year Old Male Driver

Reader’s Question:

I am an 18 year old male driver in Florida and I would like to know if my auto insurance cost decrease since I am legally an adult now?

Jack

Largo, FL

No, it is unlikely that you being 18 years old will decrease your auto insurance cost. Though you are technically an adult you still have only a few years of driving experience and therefore a high risk to an insurance carrier.

Typically auto Insurance rates for young drivers go down once you turn twenty five years of age. Some insurance carriers in Largo, Florida may lower rates at an earlier age, such as twenty one, but normally twenty five is the age at which rates decrease since that is when motorists tend to mature and become less of a risk statistically.

Generally car insurance premiums do tend to be lowered once a motorist has turned the age of twenty five. Young drivers, those under twenty five years of age, are more prone to crash due to inexperience at driving and immaturity. Statistically speaking, risk assessors have determined that those twenty five or older tend to be their risk of at-fault accidents decreases.

You may speak with your insurance agent about what your insurance carrier’s guidelines are regarding insurance discounts and also about their rating system as it is related to how old you are and how long you have of driving experience.