As your child reaches age 15 or 16, they are likely beginning driver’s education in preparation for their license. This opens a whole new world of freedom to them, but it also requires responsibility, including having auto insurance. Whether you are having them pay for it or are footing the bill yourself, make sure they understand this coverage, including ways they can help establish their own “good driving” record.

What to Know About Teen Driver Auto Insurance

Joint vs. Separate Policies

You can add your child to your existing auto insurance or require that they get coverage of their own. The benefit of joint coverage is that the total cost is often less than buying separate policies. However, any violations or accidents your child is involved in will affect your rates.

Good Student Discounts

Insurers have found a correlation between high academic achievement and responsible teen driving habits. Because of this, if your son or daughter has a “B” average or higher, they may qualify for a discount.

Defensive Driving Courses

Furthermore, new drivers who complete a defensive driving course are also usually given lower premiums. So not only will these lessons save your family money, but they may also ease your mind about your child being on the road when it comes time for them to do it solo.

For invaluable assistance tailoring an auto insurance policy for your teen driver, contact Accredited Insurance Group, an experienced, independent insurance agency in Omaha, NE. They've been serving clients in and around Douglas County for more than 25 years, helping them protect their finances from happenstance. Visit their website to request a quote or call (402) 334-1780 to speak to a friendly representative today. You can also visit their Facebook page to read what happy clients have to say about their customer service.