Teen drivers in Flatwoods have some of the highest crash rates among age groups. Parents can help reduce risks by teaching safe driving habits, setting a good example, and enrolling teens in driver education programs. It is also important to understand how a teen driver can affect your auto insurance policy.
Excluded Drivers
You do not always need to add a teen to your auto insurance policy the moment they reach driving age. Many insurance companies require every licensed household member to be listed on the policy, but some allow you to exclude specific drivers. When a teen is excluded, they are not covered to drive your vehicle, and this will not affect your premium. An experienced agent at Roark Insurance Agency can help you determine whether exclusions are an option with your insurer.
Do They Drive Your Vehicles?
Whether your teen should be listed on your policy depends on whether they drive your vehicle. You are legally required to ensure that anyone who drives your car is covered. If you allow an uninsured or unlisted teen to drive and an accident occurs, the claim may be denied, and the teen could face penalties, such as a driver’s license suspension.
Cost-Effective Options
Many parents hesitate to add teen drivers due to the increase in premiums. However, adding a teen to your existing policy is usually less expensive than having them purchase a separate policy. If your teen is responsible for paying their own insurance costs, they can simply reimburse you for the additional amount added to your premium.
The team at Roark Insurance Agency understands the importance of making informed decisions about your coverage. Our representatives can walk you through your options and explain how adding or excluding a teen may impact your policy. Contact us today. We proudly serve drivers in the Flatwoods, KY, area.
