Your teenager spent hours studying the rules of the road. Now that she has her permit, you spend a lot of time in the passenger seat pressing an imaginary brake pedal and hoping they’ll be safe. While we can’t make driving lessons any less stressful, we can help simplify the process of shopping for car insurance for new drivers. Follow these do’s and don’ts to find the right coverage — and give you some peace of mind.
Do: Research Required Coverage
Each state has minimum auto insurance requirements. In addition to asking about required coverage for bodily injury liability and property damage liability, talk to your insurance agent about the pros and cons of adding extra coverage, such as collision, personal injury protection and uninsured motorist coverage.
Don’t: Wait to Shop for Car Insurance for New Drivers
Though most states don’t require drivers with learner’s permits to have their own coverage, your teen needs to be insured as soon as he/she gets his/her license. So before letting your teen drive home from the DMV on the big day, make sure to call your insurance company to confirm he’s/she’s covered.
Do: Teach Teens About Driving Behavior and Insurance Rates
Your teen needs to understand how a speeding ticket or citation for texting and driving affects car insurance premiums. And as you shop for car insurance for your new driver, it’s also important to explain that causing an accident will lead to out-of-pocket expenses for deductibles.
Don’t: Assume Teen Drivers Need Their Own Policies
You can purchase an individual insurance policy for your teen, but it might be less expensive to add them to your existing policy. Do note that adding a teen to your insurance will increase your car insurance premiums.
Do: Consider a Driving Contract
Creating a contract with your teen driver is a great way to establish safe driving rules, including expectations for seatbelt use, safe vehicle operation and never drinking and driving. Farm Bureau’s Young Driver Safety program offers a safe driver pledge. New drivers under 25 who complete it and meet other eligibility requirements receive a bonus discount.
Don’t: Let Coverage Lapse
It might be tempting to remove your teen from your insurance policy while he’s/she’s in college (if he/she doesn’t have to drive at school). But be aware that this can cause a lapse in coverage that could make his/her rates higher when he/she shops for a new policy following this pause in coverage. You’ll also want him/her to be covered to drive the car during weekend trips home and summer vacations.
Don’t: Overlook Discounts
Search out good driver rewards and other auto discounts that can help lower premiums for new drivers. Insurers may offer discounts for good grades or driver education classes. Our Driven to Safety discount can save you up to 30 percent.
Got Questions? We’ve Got Answers
If you’ve got a new driver in your household, just call your local Farm Bureau agent. We can answer your questions and ensure you’ve got the right coverage at the right price.