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 Auto Insurance Online in Austin Texas
Reader’s Question:
Hi. We just got a new car here in Austin, Texas. My son has been pressuring us to let him drive. But we’re having second thoughts about it because when we asked for a quote from our automobile insurance provider, the rates were just too high. Would you know how I can save on teen driver insurance?
Rush
Austin, TX
Hi Rush. Sadly, getting a teen driver insurance or adding a teen driver to your policy will cost you more than you would expect. The good news is, there are several ways of bringing this rate down for you. So read on. First of all, the best way to get the best rate is to compare between several automotive insurance providers in Austin, Texas. Of course, I wouldn’t want you to waste your time going to different offices or making several phone calls. The easiest way to do this is to go online and look for those nifty new websites that give free car insurance quotes. If you have two or more cars, check which car they list your teenage driver under.
There are some companies that will include your teen driver on the policy for your most expensive car, thus giving you a higher premium than if they listed the teen with the cheaper vehicle. If you do this, make sure you don’t let your teen drive the more expensive one. Another way would be to have your teen take some Driver’s Education classes. Some companies offer a discount to teens who read up on their offered courses. Another way could be to volunteer to pay for a higher deductible. This would cost you if your child ever does get into an accident but would save you on your premiums.
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