If your teenager just passed their final driving test, they’re probably gearing up to look for their first car — and it’s more than likely that you’ll be enlisted to help them find insurance.
Whether they’ve already found the perfect vehicle or they’re still in the test-drive stage, we can help you and your teen shop around for the right car insurance to suit their needs. We can even compare insurance costs for the vehicles your teen is considering, which could help make their decision a little easier.
We’ve got answers to some of the questions that might come to mind as you look to insure your teen’s first set of wheels.
It’s no secret that teens generally pay higher car insurance premiums than older drivers, simply because they have less experience behind the wheel. They may also be more surrounded by distractions (like their friends dancing in the back seat or the buzzing cell phone in their pocket, for example). The good news is that your teen may qualify for a discount that could help them get a more reasonable rate.
For example, some insurance companies will offer discounts if a new driver has completed a certified driver’s training course, and others will offer discounts for students who get good grades in school.
Be sure to ask us to find out which insurers offer discounts that your teen might qualify for.
In a car insurance policy, the “primary driver” or “principal driver” is the person who drives the vehicle most often, regardless of who actually owns it. Other drivers living in the same household will need to be listed in the policy, too — but the person who drives a specific vehicle most often should be listed as the primary driver for that vehicle.
Some parents might be tempted to list themselves as the primary driver of their teen’s car to keep their premium down, but you should know that this is considered insurance fraud — and it could result in a cancelled policy or a denied claim.
To make sure your teen has the coverage they need in the event of a collision, consider this simple breakdown of what you should do in a couple of common scenarios:
If you have questions about your teen’s car insurance coverage and who should be listed as the primary driver, reach out to us.