As a parent, it can be a difficult decision to include your teenage driver on your auto insurance policy. This article will arm you with information about adding a young driver to your vehicle insurance. This article will explain the factors that influence the cost and ways to save money when insuring a young driver.

1. Do you have to add your teen to your auto insurance policy?

Every driver in your household should have auto insurance coverage. If your teenager drives a car that you own, they should be covered under your policy. Alternatively, they can get their policy for a higher rate. 

2. How much will your premiums increase when you add a teen driver?

Teens are generally considered high-risk drivers due to their lack of experience and tendency to engage in risky behaviors behind the wheel. It's common for premiums to increase when adding a teen driver to your policy. Still, the overall increase will depend on the age and driving record of the teen, the type of vehicle they will be driving, and the coverage limits you choose. 

3. Are there any discounts available for adding a teen driver?

There may be several discounts to take advantage of. These can include discounts for defensive driving courses or a graduated driver licensing program. 

4. How can you encourage your teen to drive safely?

You can encourage safe driving habits for your teen by setting rules and expectations for their driving habits. For example, no texting and driving or driving under the influence. Set consequences for breaking the rules. Reinforce the importance of safe driving behaviors by having an honest conversation about the dangers of reckless or aggressive driving.

5. Can you remove your teen from your policy once they no longer live at home?

You can remove your teen from your auto insurance policy once they are no longer living at home and are not using your car. However, if they are using your car, even if they're not living at home, they may still need to be covered under your policy.

6. Can your teen be added as a primary driver on their car?

Your teen can be added as a primary driver on their car if they are the vehicle's owner. It's important to note that this will likely result in higher premiums due to their age and lack of driving experience.

Contact a local auto insurance service to learn more about teen auto insurance coverage.