As your teenager approaches the age of 15, you need to contact Ashley Insurance serving Easton, MD about adding your teen to your auto insurance.
Adding Your Teen to Your Policy
This process requires phoning our office to inform us that they’ve acquired their learners’ permit. While adding them takes just a phone call, you might experience a little "sticker shock" at the cost of adding them.
That cost comes from their lack of driving records and the risk levels of teens. Teenaged drivers comprise one of the largest groups who incur accidents. They lack experience in driving, and they take too many risks. That increases the insurance underwriter’s risk, and your premiums increase.
How can you reduce the premiums?
You can make your teen take a defensive driving course along with their school’s driver’s education course. Another option includes sending them to a driving school course.
You can also place a monitor in their vehicle from the insurance company that records their driving record. The insurance company regularly reviews this data to determine how the driver manages risk. You need to wait until they obtain their own vehicle, though, because you must guarantee that each monitor applies to just one driver.
Purchasing Their Own Policy
At 16, your teen can purchase their own policy. This process typically occurs when they buy their first car. The insurance cost belongs to them solely when they buy their own policy. If they purchase a used car of more than a decade in age, it makes the most sense to obtain liability and bodily injury coverages. If your teen bought the car for about $1,000, there’s probably no reason for comprehensive or collision coverage. That’s the opposite of your own vehicle insurance because you probably purchased a new vehicle.
Contact Us for More Information
When you need to decide how to handle insuring your teen for driving, contact Ashley Insurance serving Easton, MD. We’ll help you determine the most affordable way to insure them.