If there’s one thing parents know with absolute certainty, it’s that kids grow up fast. One day, it seems like you’re celebrating their first day of kindergarten, and before you know it, you’re helping them pick out an outfit for their first dance. Before you know it, every teen goes through the important rite of passage of learning to drive a car for the first time. It can be tough to let them get behind the wheel for their first ride without you by their side, but it helps when you’ve got the peace of mind of a good auto insurance policy.
At Value Plus Insurance, we help families stay safe on the road by providing the right auto insurance policy for their young drivers. In this blog post, we’ll share what you need to know about vehicle insurance for your teen so you can rest easy when she’s out on the road.
Your Family’s Teen Driver
Having a new teen driver in your family can be an exciting time. After years of taking your child everywhere he or she needed to go, you’re finally able to take a step back and let your child experience a little bit of independence at the same time. It can also be a relief to have another helper who can make quick runs to the store for essentials. And it’s exciting for your teenager to finally be able to venture out into the world and experience life from the front seat for a change.
Although this can be an incredibly fun time for your teen, it can also be a bit stressful for parents who worry about their inexperienced driver out on the road alone. That’s why it’s important to have a good auto insurance policy to protect your young driver.
Reducing Your Insurance Costs
Anytime you add an extra driver to your insurance policy, it’s going to cost you more money. But teen drivers are also considered greater risks because they don’t have years of experience on the road and firsthand experience with real-world driving hazards. To help reduce that expense, here are some steps you can take:
1. Enroll Your Teen in a Driving Course
Although your young driver may have recently been through driver’s education and studied to pass the driving exam, there are additional courses available. Having your teenage driver enroll in an additional defensive driving course is just good sense. It will give your young driver an extra layer of protection as she ventures out on the road in addition to helping reduce your insurance rates.
2. Don’t Put Your Teen in a High-End Vehicle
Although it may be tempting to purchase a brand new vehicle for your teenage driver and wrap it up in a giant red bow for their birthday, consider holding that purchase for a college graduation gift. Used cars are less expensive, which means lower insurance rates.
3. Stay Aware of Your Teen’s Driving Habits
One of the best things you can do to keep your teen safe is check in with them and make sure they’re practicing safe driving that’s free of distractions. Offer them hands-free driving tools and let them know texting while driving is a no-go. Make sure they keep their music down, passengers minimal, and eyes on the road.
Keep Your Teen Safe with Value Plus Vehicle Insurance
When your teen takes to the road, you want to do everything you can to keep them safe while they’re behind the wheel.
At Value Plus Life Insurance, our personal insurance experts understand how important protecting your family is. To connect with our insurance agents, give us a call at 952-435-0550, or contact us to discuss car insurance options for your teen driver today.