A Simple Guide to Insuring Your Teen

Do you have a teenager who is old enough to drive – or one who is eagerly anticipating his or her 16th birthday? While teenagers usually count down the days until their 16th birthday the way they once counted down the days until Christmas, parents often have mixed feelings. Seeing a child grow and learn skills like driving is exciting, rewarding, and for many parents, terrifying. One thing that can ease your mind is ensuring that you have the right insurance for your son and daughter. No matter how much you test them on car safety, they could be involved in an accident. Making sure that they will be taken care of in such a situation is essential.

Three Ways to Lower Costs and Keep Them Safe

You want an affordable car insurance policy, but you also want a well-insured teen. What can you do? Here are three options:

• Use their grades to your benefit. One thing you can do without sacrificing an ounce of coverage is to report their good grades to your car insurance company. If you have a child who consistently gets good grades, they’re likely to get better rates, since students with good grades get in fewer accidents.

• Choose a safe, reliable car for them. Worry more about safety features, and know that your rates will be lower if they’re not driving a flashy car, and they’ll be safer behind the wheel.

• Check with your insurance company to see if your teen child qualifies for occasional driver coverage. This usually allows normal coverage for a teen driver who drives only about 25% of the time.

Rest assured that while the element of risk cannot be completely taken away from a teenage driver, there are things you can do to provide for medical care and other concerns after an accident.

Contact Us

The Indianapolis car insurance experts of Insure on the Spot are here to make sure that you and your teen both have some peace of mind without overspending. Contact us today at 888-972-SAVE.