Being the parent of a teen has many challenges. You may think you are finally getting a grip on parenting your teen when you realize it is now time to add them to your insurance. This can be a stressful time for most parents. At Main Street Independent Insurance Agencies Inc serving Ft. Worth, TX, we want to try to relieve some of that stress by helping to educate you on this important insurance topic.
When Should I Add My Teen to My Insurance?
Each state will have different laws in place regarding when a teen should be added to the insurance policy. If you have a teen in your home who is permitted by law to drive, you need to contact an insurance rep to discuss the best timing for adding your teen to your policy.
How Will My Insurance Change When I Add My Teen?
Everyone’s insurance policy is unique according to their specific driving record and history, but you can expect your insurance rates to go up some when you add a teen driver. Teens are a bigger risk factor for accidents and traffic violations because they do not have that much experience. It is helpful to discuss with your teen what your expectations are and to inform them that their driving behavior can affect your insurance. Set in place clear consequences in the event that poor driving habits become a problem.
How Can I Keep Costs Low?
Be sure that your teen understands what you expect of them concerning their driving behaviors and make sure they understand how their behavior will affect the insurance policy. Many insurance policies will offer a good grade discount for students as well.
If you would like to learn more about adding your teen to your auto insurance, please contact us at Main Street Independent Insurance Agencies Inc, serving Ft. Worth, TX.