teen driver leaning out the window of a car

Adding Your Child to Your Car Insurance

When your child earns their driver’s license, it’s time to celebrate. They have reached a life milestone that is paving the way to new opportunities. Of course, after the initial high wears off, it’s back to considering the looming reality: your son or daughter will now be sharing the road with others.  You’ve done all you can to teach the critical driving and safety skills to your son or daughter. Now, it’s time to consider car insurance in Maitland, FL.

When considering insurance for your teen, you may wonder if you should add them to your existing policy or start a completely new one. The answer isn’t clear-cut, and you can go either way. Keeping your child on your policy may raise your rates, but you may also be eligible for multiple discounts. You will want to speak to your insurance agent to find out if you qualify for anything.

Why would your insurance rates increase? Inexperience and youth make teens more of a liability on the road. If there’s one thing insurers are wary of, it’s that combination. New and inexperienced drivers are more likely to make mistakes, which increases the risks of accidents.

While it may feel a bit prejudiced to start with a higher rate on account of age, there is a silver lining to it. Many car insurance policies provide “Safe Driver” discounts if the policyholder has a clean driving record for a set amount of time. Again, you will want to check with your agent to see if your policy has this provision.