{"id":936,"date":"2022-08-12T21:51:30","date_gmt":"2022-08-13T02:51:30","guid":{"rendered":"https:\/\/fusion-insurance.six.zysites.com\/blog\/insuring-your-teen-driver\/"},"modified":"2025-12-16T08:12:03","modified_gmt":"2025-12-16T14:12:03","slug":"insuring-your-teen-driver","status":"publish","type":"post","link":"https:\/\/www.fiagency.com\/es\/sin-categorizar\/insuring-your-teen-driver\/","title":{"rendered":"Insuring Your Teen Driver"},"content":{"rendered":"

If you’re the parent of a teenager who is getting ready to climb behind the steering wheel, insuring them can be an expensive endeavor. This is because the risk of motor vehicle crashes is higher among 16- to 19-year-olds than among any other age group. We’ve gathered some helpful tips to help you keep your premiums cost effective and your teen driver safe. <\/span>
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\nPolicy Options <\/strong><\/span>
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\nRather than setting up an independent policy for your teen driver, consider adding them as an additional driver on your auto insurance policy<\/a>. This could help lower your premium. Also, if you have more than one vehicle, designate which vehicle your child will be driving. That could be another way to save. \"a<\/span>
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\nDeductible Considerations <\/strong><\/span>
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\nBy upping your deductible and utilizing your insurance for big repairs, you may be able to reduce your premium.  <\/span>
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\nEnroll Your Teen In Driver’s Education <\/strong><\/span>
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\nAlthough courses may be available at your child’s school, consider enrolling him\/her in a driver’s education course. Often, discounts are available for teens who take recognized driving classes because it extends the teaching period. <\/span>
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\nWeigh Your Buying Decision <\/span><\/strong>
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\nBefore you make an auto purchase, we’d be happy to give you an insurance quote to help you with your buying decision. <\/span>
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\nSet Your Expectations For Safety <\/strong><\/span>
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\nWhile you can’t do anything about your teen’s young driver status, there are many things you can do to help them reduce potential accidents such as: <\/span>
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    Restrict<\/span>ing<\/span> your teen’s nighttime driving<\/span><\/span> <\/span><\/p>\n<\/li>\n

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    Limit<\/span>ing<\/span> the number of passengers in the vehicle<\/span><\/span> <\/span><\/p>\n<\/li>\n

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    Ban<\/span>ning<\/span> the use of electronics, such as talking or texting on a cellphone or listening to music, while behind the wheel<\/span><\/span> <\/span><\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n

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      Establish<\/span>ing<\/span> driving-area limits <\/span><\/span> <\/span><\/p>\n<\/li>\n

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      Set<\/span>ting<\/span> a curfew<\/span><\/span> <\/span><\/p>\n<\/li>\n

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      Talk<\/span>ing<\/span> to your teenager about the dangers of drinking and driving <\/span><\/span> <\/span><\/p>\n<\/li>\n

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      Insist<\/span>ing<\/span> on seat belt use for everyone in the vehicle<\/span><\/span> <\/span><\/p>\n<\/li>\n

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      Rid<\/span>ing<\/span> with your son or daughter occasionally to make sure they are keeping up with the safety habits that they learned in driver’s education<\/span><\/span> <\/span><\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n