Shield Insurance Blog | Teen Drivers | Auto Insurance | Start A Quote Today!
When a teenager earns their license, it is considered a rite of passage. For parents, this accomplishment can be both thrilling and nerve-wracking. Along with various safety concerns, insuring your new, inexperienced Michigan driver can be daunting. Thankfully, with some knowledge and a plan, you can find the best coverage without busting your budget.
Add Teen Drivers to An Existing Policy
Adding your teenager to your current auto insurance policy is generally cheaper than purchasing a separate one. Keep in mind if they are not on your policy, they will not be able to take advantage of any multi-car or loyalty discounts you receive.
Promote Being a Good Student
When it comes to auto insurance, good grades can translate into insurance discounts. Many auto insurance providers offer “good student discounts” for students who typically maintain at least a B average.
Enroll Teen Drivers in a Defensive Driving Course
Enrolling your teen in a defensive driving course is helpful. Your child will gain valuable driving skills, and, in many cases, they can also use the successful completion of the class to earn a discount on their premiums.
Revisit Your Deductibles
Adding a driver often increases costs; teen drivers are no exception. To counteract this cost, consider adjusting your deductible. Higher deductibles may mean lower annual premiums. At Shield Insurance Agency, we can discuss your deductible options.
Establish Ground Rules for Teen Drivers
Set driving guidelines for your teen that include no texting and driving, limited nighttime driving, and passenger restrictions. These practices keep your child safer on the road, which, in turn, keeps premiums lower.
Consult With Us
The journey of insuring a new driver does not have to be a challenge, but it does require a plan. At Shield Insurance Agency, we want to help keep your teen drivers safe as they navigate these Michigan roads. Contact us today!
