It is possible to add your teen to your auto insurance. However, many parents in Rochester, MN are not sure how their auto insurance rates can be affected and the right time to add their teenagers to their policies. Here are some of the commonly asked questions regarding the issue of adding your teen to your auto insurance.

When do I add my teen to my auto insurance?

Most insurance companies in Rochester, MN may want to know the names of all licensed drivers in your home. A teenager who is a licensed driver can either carry his or her own insurance or can be added to your auto insurance policy. When your teen graduates to a full-fledged driver’s license, he or she qualifies to carry a car insurance policy.

Will my insurance rates go up after adding my teenager?

Your insurance rates are likely to go up when you add your teenager to your auto insurance. This is mainly because teens are more likely to cause car accidents than experienced drivers. The type of coverage levels you choose for your teenager and vehicle will also have an impact on your auto insurance premiums. However, your son or daughter may qualify for certain discounts for taking a driver’s education course. Safechoice Insurance Agency considers all these factors in ensuring that you get the best discount in the market.

Is it cheaper to get my teen his auto insurance policy?

It is advisable to look for stand-alone plans just for your teen, apart from the available options of adding your teen to your current auto insurance policy. However, your teen may not qualify for other discounts that you qualify for, such as multi-plan, driving experience, or multi-car insurance coverages.

How can my teen get better rates?

Typically, teenagers have higher rates because of their inexperience and their age. However, your teen can save on insurance by completing an approved driver’s education course or by having a higher grade average. In general, insurance rates will start dropping at the age of 25 until the age of 70 years.

Some types of vehicles such as sports cars, trucks, and SUVs may attract higher insurance rates for teens. If you have been thinking of adding your teen to your auto insurance, contact Safechoice Insurance Agency for the best rates. Our auto insurance agents will help you find the cheapest way to add your teen to your auto insurance policy.