Teenage Driver About to Get Their License? Remember These Auto Insurance Tips
Is your teenager about to get their driver’s license for the first time? This can be a difficult time for some Cumberland, MD parents, but it doesn’t have to break the bank in terms of premiums. Here are a few auto insurance tips for parents of new drivers from our Knippenberg Insurance Inc. team.
1. Good Grades Are Important
You already want your teen to get good grades in school for all of the obvious reasons. Once they get their driver’s license, however, it is time to put all of that hard work to good use.
Most auto insurance companies offer a substantial discount for teen drivers who make good grades in school. All they have to do is bring in an official report card to their insurance agent’s office, and it will be applied. Pretty cool, huh?
2. Your Habits Matter
Parents of teenage drivers always need to be mindful of their driving habits. If you’re regularly putting on makeup or texting while behind the wheel, your teen sees this from the passenger seat and will likely take on the same dangerous activities.
Furthermore, your driving record has a lot to do with how much they will pay for the insurance once they start driving. If you already have numerous tickets or accidents, this could be a factor that affects premiums for the whole household.
3. Contact Your Auto Insurance Agent Immediately
You already know that you’re supposed to let your auto insurance agent know when your teen starts driving. But many people think they can get around a rate increase by simply not making that phone call, which often ends in disaster.
Why? If your teenager gets into an auto accident and they aren’t listed on the policy as a driver in the household, the claim might be denied. Instead, go ahead and have a conversation with your agent about the changes in your family. And, if necessary, exclude teen drivers from more expensive vehicles in the household to help save on costs.
Are you ready to discuss auto insurance? Give our Knippenberg Insurance Inc. team in Cumberland, MD a call today for a no-obligation price quote.