4 Reasons Why You Should Add Your Teen To Your Car Insurance

​It's a milestone for your teen and their growing-up years to be able to learn how to drive a car. Your teen driving a car comes with great responsibility. It will make you feel safe and secure if your teen is insured. 

Getting car insurance for them should be planned out as soon as or before your teen gets their learner's permit. Start by knowing how much it will cost and what their car insurance will cover.

There are two options you can choose from getting car insurance for your teen:

• You can add them to your current car insurance
• You can purchase a policy solely just for your teen

1. You May Be Legally Required 
Under the law, it may be required for all drivers to be insured. You can go with the less expensive option of adding them to your current car insurance rather than purchasing another policy.

2. Car Accident Coverages
These are the major causes of car accidents involving teenagers driving:

• Inexperienced driving
• Nighttime and weekend driving
• Not wearing seatbelts
• Distracted driving (texting while driving)
• Alcohol/substance abuse
• Speeding

Teens may be more free-spirited when it comes to driving, which may increase the risk of being involved in driving accidents. Liability insurance should protect them from car accidents where they are the ones that have caused the accident to occur. This insurance should cover their medical expenses.

3. Coverage For Car Damages
Liability insurance should also cover property damages. A property or a vehicle that would be damaged should cover the expenses of repairing the car or property of the other people involved in the car accident. 

4. More Options On The Car Insurance Policy
Your insurance policy may have an option to suspend your teen's coverage if they are not to use a vehicle and be away from home. You still get to have control and be able to make decisions for your teen's insurance coverage, which is not an available option if you were to get a separate one.

Conclusion
Getting your teens and the cars insured may protect you from unexpected expenses from possible incidents. Less expensive options for your teen's car insurance would be convenient since the specific policies were for car accidents or other occurrences.

At Desmond Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (859) 491-5100 or Click Here to request a free quote. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.