Teen Driver Auto Insurance Discounts in Florida
Reader’s Question:
My daughter is so excited about getting her license as she can get behind the wheel of her own car that we will buy for her. I know that the best thing that I can do is to look into the cost of car insurance that covers a teen driver here in Florida. Will I ever get affordable teen auto insurance? Seems the insurance rates are as much as the car payments each month!
Anne
Miami, FL
There’s no question that teen drivers are known as “high risk drivers” by any insurance company, especially in Florida. Not much to your surprise, that means more money to fork out. Also not to keep your hopes up but, you could still be able to get the cost down of your daughter’s car insurance and even give you some extra freedom.
There are simple ways to help you keep your daughter’s car insurance as low as possible. You can add her to your insurance plan. This may seem strange but when she is signed on your insurance plan, it lowers the cost for her even if you are paying for it. If you live a hundred miles away from your daughter’s school, you can ask her to leave her car at home and also allow your insurance company to know about this. It could also reduce the cost of her policy if you can get her ride with you on occasion to reduce the number of miles she goes.
Make sure also that you daughter has good grades as majority of insurance companies will offer “good grades” discount on teen car insurance. The idea behind this is that good students are also good drivers. Believe it or not, but getting a straight B or better is enough to get good grades discount. So I advise you to encourage your daughter to do well in school as she will benefit from it as well.
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.
Auto Insurance For Teens
Reader’s Question:
I am 17 years. old and have no driver’s license or permit yet. I am having hard time finding information concerning car insurance options that would be available to me, so that I can get my license. Can you please give me any suggestion regarding this?
Jim
Detroit, MI
Typically, if you are residing with your parents, they can request their insurance company to add you to their policy once you are permitted or obtain a junior or full license. Insurance carriers differ about if they will require you on the car insurance policy with only a permit or will wait till you are licensed.
If you live on your own, as a inexperienced and young teen driver without a full license or even permit, it can be hard to find car insurance. Probably, you can get an insurance policy but most insurance providers will want you to acquire a full license within 30 to 45 days from the inception of your policy. If you cannot obtain a regular license by that time, then the insurance policy will cancel.
Some insurance companies might require you to list a fully licensed motorist of 21 years of age or older on the policy with you.
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