{"id":993,"date":"2018-05-11T00:48:08","date_gmt":"2018-05-11T00:48:08","guid":{"rendered":"https:\/\/www.freeway.com\/knowledge-center\/?p=993"},"modified":"2025-04-25T23:12:50","modified_gmt":"2025-04-25T23:12:50","slug":"add-teen-driver-car-insurance-policy","status":"publish","type":"post","link":"https:\/\/www.freeway.com\/knowledge-center\/auto\/understanding-auto-insurance\/add-teen-driver-car-insurance-policy\/","title":{"rendered":"Should I Add My Teen Driver to My Car Insurance Policy?"},"content":{"rendered":"

Your son or daughter\u2019s preferred mode of transportation seemed to change so fast; just a few years ago, it was a scooter, and now it\u2019s a car. With your teen driving, it\u2019s time to think about getting him or her an auto insurance<\/a> policy. The question is, should you simply add him\/her to your current auto insurance policy or is it better for your teen to get started with an auto insurance policy of his or her own?<\/p>\n

Get Ready to Pay Up<\/h2>\n

You\u2019re likely wondering how much getting insurance for teen drivers is going to cost you. Whether your teen gets a policy that\u2019s separate or is added to your policy, know that getting insurance for teens is always going to involve an added cost. The main reason for this is because your teen is a new auto insurance policyholder. Another reason is because teens are considered high-risk drivers by insurance companies (teens make up about 30% of all accidents in the U.S.). That said, continue reading to learn which factors will allow you to save money on insurance for your teen.<\/p>\n

Ways to Save Money on Your Teen\u2019s Insurance<\/h2>\n

Getting car insurance for new drivers means spending more money. However, there are plenty ways to save money on auto insurance for teens. Here are some money-saving options to look into:<\/p>\n

    \n
  1. Multiple Car Discount
    \n<\/strong>If your teen has his or her own car, a multiple-car policy is a great discounted option that will help you save money by insuring your vehicle and your teen\u2019s vehicle under the same policy.<\/li>\n
  2. Safety Vehicles
    \n<\/strong>If your teen hasn\u2019t purchased his or her vehicle yet, consider a car that has a high safety rating. These cars cost less to insure and will save you money on your rate as opposed to if you get a less safe car insured under your policy.<\/li>\n
  3. Increase Your Deductible
    \n<\/strong>Ask your agent about increasing your deductible to save money. Selecting a higher deductible will lower your monthly rate.<\/li>\n
  4. Pay as You Drive Insurance
    \n<\/strong>Pay as You Drive (PAYD) insurance is a great option if you want your child\u2019s driving to be monitored and rewarded when he\/she drives safely.<\/li>\n
  5. Occasional Insurance
    \n<\/strong>Consider insuring your child as an occasional driver if your child is in high school and only drives to school or if your child is in college without a car.<\/li>\n
  6. Good Grades Discount
    \n<\/strong>Some insurance companies have a good grades discount if your child maintains a consistent 3.0 GPA in high school or as a full-time college student.<\/li>\n<\/ol>\n

    Should Your Teen Get His\/Her Own Policy or Join Yours?<\/h2>\n

    Know that with most insurance companies, it\u2019s cheaper to have your teen added to your policy, and this might be your best option. The reason for this is because you, as the primary policyholder, have access to bundling discounts like multi-car policy and homeowners insurance. Most teens don\u2019t own a home or another car, which means they won’t have access to these types of discounts. In turn, you won\u2019t have the option of discounts such as a good grades discount which is only applicable for high school and college students.<\/p>\n

    If you\u2019re looking to pay less, most signs point to insuring your child under your own policy as the cheaper option. One of the only reasons you might consider putting your child on a separate policy is if they\u2019ve gotten a lot of tickets in the short amount of time they\u2019ve been driving. In that case, it may cost less for him or her to get a separate policy.<\/p>\n

    In many states, insurance premiums increase by 100% \u2013 200% once you add your teen driver! Knowing that, you’ll want to save as much as possible when buying car insurance for your teen. If you\u2019re looking for cheap car<\/a>\u00a0insurance for teens, know that Freeway Insurance has been providing insurance for families like yours for over 30 years. Purchase affordable car insurance for teens<\/a> online or over the phone at (800) 777-5620<\/strong>. We can help you and your new teen driver get an affordable policy that\u2019s right for both of you.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

    Your son or daughter\u2019s preferred mode of transportation seemed to change so fast; just a few years ago, it was a scooter, and now it\u2019s a car. With your teen driving, it\u2019s time to think about getting him or her an auto insurance policy. The question is, should you simply add him\/her to your current […]<\/p>\n","protected":false},"author":1002629,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[51],"tags":[85],"importance":[],"type-content":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/993"}],"collection":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/users\/1002629"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/comments?post=993"}],"version-history":[{"count":19,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/993\/revisions"}],"predecessor-version":[{"id":11559,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/993\/revisions\/11559"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/media?parent=993"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/categories?post=993"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/tags?post=993"},{"taxonomy":"importance","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/importance?post=993"},{"taxonomy":"type-content","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/type-content?post=993"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}