Adding a teenage driver to your insurance

The team at the Carminucci Agency understands how insurance needs change throughout one’s life. This is abundantly clear to parents in the Croton Falls, NY area when it comes time to add a teenage child to the family policy! Let’s look at the options, and don’t forget that sometimes it makes more sense to obtain a separate policy for every teenage driver in the family.

What is the best approach for insuring your teenager?

Typically, there are two options for insuring your teenager when they are ready to drive. The first is to add them to the family policy, and the other is to get them their own standalone policy. There are benefits to both approaches, and the choice generally comes down to the family’s unique circumstances. If your teen will be driving a lot for work or travels a distance to school, you may want to consider having them on a different policy from the family.

Of course, we all know that teenagers have less experience and statistically are involved with a higher number of accidents and fender benders. Rather than risk an increase in the premium for the family account, it can be better only to have their policy affected. There’s no need to have everyone’s rate increase if it’s not necessary. Don’t think that your options are limited because they are not! Your registered agent is here to walk you through the policy selection process.

Insurance options for teenage drivers

The entire team at Carminucci Agency is here to provide families in the greater Croton Falls, NY area with the information they need to make the correct decision for their family. Call or stop by today and let us help you as you navigate this exciting time.