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Back-to-school season is exciting—and a little stressful—especially if there’s a new driver in the family.

father handing the car keys to a teen driver

Whether your teenager is commuting to high school, driving themselves to sports practice, or heading off to college, it’s important to make sure your auto insurance is up to date. Teen drivers face unique risks, and getting the right coverage now can save you money—and headaches—later.

Here’s what parents should know about insuring young drivers.

When to Add a Teen to Your Policy

  • Most insurance companies require you to add a teen to your policy as soon as they get their license
  • You may be able to add them earlier with a learner’s permit, depending on your state
  • Keeping your teen on your family policy is usually more affordable than giving them their own
  • Let your insurance agent know if your teen will be taking a car to college or leaving it at home

Ways to Save on Teen Driver Insurance

  • Ask about good student discounts for teens with a B average or higher
  • Enroll your teen in a driver safety course—some insurers offer discounts for completion
  • Choose a safe, practical vehicle with good safety ratings and low repair costs
  • Increase your deductible to lower your monthly premium, but make sure you can afford it

Coverage Options to Consider

  • Liability coverage is required, but may not be enough—consider higher limits for better protection
  • Collision and comprehensive coverage help pay for damage to your teen’s car
  • Uninsured motorist coverage protects your teen if they’re hit by a driver with no insurance
  • Roadside assistance and rental reimbursement can be useful if your teen travels alone

If Your Teen is Going Away to College

  • If your teen won’t have a car at school, let your insurance agent know
  • You may qualify for a “student away at school” discount if they attend college over 100 miles from home
  • If they’re taking a car, verify where it will be parked and update the garaging address on your policy
  • Make sure they know what to do in case of an accident or emergency

Need Help Updating Your Policy?

Insuring a teen driver doesn’t have to be complicated. Your local independent insurance agent can help you review your options, find available discounts, and make sure your policy offers the protection your family needs.

Have questions? Reach out today to start the school year with confidence and coverage you can count on.