Back-to-School Season: Is Your Teen Driver Properly Covered?

As the summer season ends, many parents are preparing for their teens to begin regularly commuting to and from school. This is a perfect time for parents to assess their teen’s auto coverage needs and policy options.

Should You Add Your Teen to Your Policy?

Adding your teen to your existing auto policy usually costs less than purchasing a separate one. If your teen drives your car frequently or full-time, they should be added to your policy. Consider the following ways to potentially lower premiums:

• Bundle your policies. Many insurers offer multi-driver or multi-vehicle discounts.
• Look into good student discounts. Most insurers offer discounts for certain grade point averages.
• Consider safe driving courses. Some insurers may provide discounts for teens who complete safe driving courses.

What Coverages Should Teens Have?

In addition to liability insurance, consider the following coverages for your teen:

• Collision coverage may help repair damage to their vehicle after an accident, regardless of fault.
• Comprehensive coverage may help with damage related to non-collision incidents such as theft, vandalism, or severe weather.
• Roadside assistance coverage can help with flat tires, battery jumpstarts, tows and other unexpected issues on the road.

Contact Us

For teens, driving is a rite of passage on the way to adulthood. Help keep your teen safe on the road by making sure they have an auto insurance policy that fits their needs. The professionals at Raborn Insurance Agency in Smyrna, TN can discuss your needs and budget to help you find the best policy for your family. Contact us today for a personalized quote or more information.

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.