Adding a Teen Driver to Your Auto Insurance Policy

Learning to drive is an exciting time for a teenager but getting adequate auto insurance can be expensive. Adding your teen to your existing auto insurance policy is generally cheaper than getting them their own policy. The agents at Crume-Evans Insurance can assist you in learning about coverage options and adding your teen driver to your policy.

How Do I Add a Teen Driver to My Auto Policy?

If you plan on adding a teen driver to your policy, let your insurer know before they get their permit and license. Adding a driver to your policy, especially a teen, will likely increase your insurance premium. Teens are generally considered riskier to insure than experienced drivers so your premiums may reflect that.

How Much Coverage Do Teen Drivers Need?

Teen drivers require the same amount of coverage as other drivers. In California, all drivers must carry liability insurance, protecting against incidents such as bodily injuries and property damage. However, if your teen driver is involved in an accident not covered by liability insurance, you may be forced to cover the costs out of pocket. Drivers without proper liability coverage may also be fined and have their license suspended and vehicle impounded.

The following are additional coverage options you may want to include in your policy:

• Collision coverage
• Comprehensive coverage
• Uninsured/underinsured motorist coverage
• Medical payments coverage

The Crume-Evans Insurance agents can assist you in learning about auto insurance coverage options to fit the needs of you and your teen driver.

Is Auto Insurance Expensive?

Auto insurance coverage rates tend to vary considerably among policyholders, but insuring a teen driver is typically more expensive than an adult. This is because teen drivers are statistically more likely to be involved in accidents. Factors such as your claims history, the number of people listed in your policy and your car model may impact how much you pay for coverage. A driver with several people listed in their policy who has filed multiple insurance claims will often pay more for auto insurance than a driver who has never filed an insurance claim and is the only person listed on the policy.

How Do I Get Covered?

If you are a car owner near La Habra, California, and want to add a teen driver to your auto insurance policy, the dedicated agents at Crume-Evans Insurance can help.

For more information, contact our agency today at 562-691-0867.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.