Upon reaching 15, your child earns their learner’s permit and terrifies you with the prospect of teaching them to drive. You also need to add them to your auto insurance, which should not terrify you since your friendly neighborhood insurance agent at ASZ International, Inc., serving Westchester, NY, can help you add them without issue.
If you plan to let your teen practice driving in the family car, you need to add your child to your auto insurance. That way, if they cause an accident, you are covered against liability. This also saves you from needing to add them later and offers an opportunity for them to take a defensive driving course before getting their full permit. This can net you a discount since you are probably paying their insurance.
You will typically find it cheaper to add a teenaged driver to your insurance than to purchase a separate policy for them. Either way, you should prepare for your premiums to increase because teens present the highest risk group of drivers.
You can get a discount by insuring multiple vehicles with the same insurance agency. If you and your spouse did not already do this, you could save money this way. If you help your teen get a vehicle, you can get a discount on the insurance by bundling that policy with that of the other vehicles. You can also lower your premiums by increasing your deductible. If you do not allow your teen to drive often, then ask about occasional and pleasure-only driver discounts or a usage-based insurance policy.
Contact ASZ International, Inc., serving Westchester, NY, to learn more about auto insurance for teens. We can help you insure your high-risk driver and help you all remain safer on the road.