Insuring your Teen Driver, Coverage to Consider

Before you let your 16-year-old buy a souped-up hot rod, make sure you can afford the insurance coverage. When you have teen drivers in the house, it’s an automatic given that your rates will increase. So, talk to your Options Insurance Agency representative in Hershey, PA before co-signing for a car. 

Each state has its own minimum car insurance requirements for all drivers. This coverage provides limited protection, so make sure you understand what’s covered and what’s not.

Find Out if Your Teen Qualifies for a Discount

Most Pennsylvania insurers offer discounts to teen drivers who show responsible behavior trends in other areas. For example, if your son or daughter has at least a B average in high school, you can probably get a discount. Completing a drivers education course also shows responsible behavior and that’s rewarded by many insurers. 

Of course, just like adults, your teen should work on building up a good driving record to qualify for optimal rates. 

College Kids Save on Insurance

If your teen is ready to head off to university and doesn’t have a car, you’re probably going to get a break on your car insurance. 

Choose the Car Wisely

Ask your Options Insurance Agency representative for a list of cars that get the best insurance rates. Then, match it up to used cars in your area that is within your teen’s budget. This saves you from unwanted surprises down the road. 

This is a very exciting time for your son or daughter, and they should enjoy their new independence in Hershey, PA. You can enjoy it with them if you’ve done your research ahead of time.