Auto Insurance For Teen Drivers

One of the most exiting times in a teenagers life is obtaining a drivers license and having the ability to roam the roads alone. Not only is driving a wonderful privilege to earn, but it’s a a life long task that they will partake in on a daily basis. Finding the proper auto insurance for teen drivers is an important task in the process.

Not only are these times the most fun and memorable, they are the most deadly.  Most teens don’t realize that the leading cause of death among them is motor vehicle crashes. On average each year around 5,000 teens are killed in car crashes and another quarter million plus are injured in a car accident.

Having the proper insurance in place needs to be established prior to any teenager becoming legal to drive. Parents should notify their insurance company or insurance agent prior to their teen receiving his/her permit. Although you may fear your insurance rates will go up, your teenager cannot become a legally named driver until he/she received her official drivers license.

Although in general your insurance rates may increase due to a youthful driver, many insurance companies are offering discounts with involvement in their teen driver programs. Allstate Insurance has a teen driver program that helps parents interact with teens and create a contract. Farmers Insurance developed the Y.E.S. program to educate youthful drivers and provide discounts based on watching videos and taking a questionnaire. American Family Insurance Teen Safe Driver program is amongst the best all around for parents and teens. The core of the program installs a camera below the review mirror allowing clips to be uploaded to a viewable website where parents and teens can view and work on skills.

When time comes to add your teen to your auto insurance policy, don’t be hesitant to shop around for insurance quotes. You may be with the same company for years but adding a teen driver can bump up your auto rates beyond what you can find somewhere else.

Although adequate auto insurance coverage is important when getting your teen on the road, nothing can make up for the skills that teens will learn from courses like Drivers Ed and one on one driving time with experienced drivers.