Car insurance for teens in Atlanta or other Parts of Georgia can be complicated. Let us help!
Are you getting ready to add a teenage driver to your car insurance? Have you already gone through the process of insuring your teenage driver? If so, Bering Insurance Partners can help! As an independent agent and broker serving Metro Atlanta & the entire state of Georgia, we can assist with your teen driver insurance needs.
Adding a teen driver to your Georgia auto insurance policy could potentially be one of the biggest shocks you experience in your insurance journey. However, there are a few things you can to do to help lessen impact, which include the following.
- Shop around – Adding a teen driver to your auto insurance is a great time to have an independent agent like Bering Insurance Partners review your policy. Not only for cost savings, but you may want to consider increasing your liability and uninsured motorist limits, and purchasing a personal liability umbrella policy. Having an inexperienced driver on the could increase your personal liability.
- Make Sure You Maximize Discounts – There are a number of discounts that you and your teen may qualify for, and you will want to make sure that you take advantage of all that are available. Here are a few to consider
- Good Student Discount – Generally your child will need to be a full time student in either high school or college and have a A or B average to qualify for this discount.
- Driver Training Discount – Each company will have their own requirements for this discount, but it will usually require a certain amount of hours of in class and on the road training.
- Company tenure discount – Some auto insurance companies will offer to rate your teen driver more favorably if you have been with them for a certain number of years.
- Student away at school discount – If your student is away at school (usually over a certain distance), and does not have a vehicle with them, you may qualify for this discount.
- Telematics or Usage Based Discount – This one is not specific to teen drivers, but it may be something to consider in this situation. More and more companies are offering this type of discount, which would require you to download a smartphone app, or install a device on your vehicle that measures certain driving statistics. Based on the data, you could qualify for an additional discount on your policy
If you can get as many of these discounts as possible, it could significantly lessen the impact of insuring your teen driver.
Why is a teen driver more expensive to insure?
It may seem obvious, but in case you were wondering, here are a few of the reasons why teenage drivers can be more expensive to insure.
- Inexperience – One of the biggest reasons is that teenage drivers just don’t have the experience or skills of someone who has been driving longer. This is also true for driving at night, which is one of the more dangerous times to be on the road
- Distractions – Anyone can get distracted with driving, but study’s have shown that teen drivers are more easily distracted, especially if they have other young people in the vehicle with them.
- A Sense of Invincibility – Again, young people don’t have the experience of older drivers. This may cause them to take risks while not considering the consequences. This can be compounded by risk behaviors such as driving under the influence.
Whether you have already added them, or will be soon, we can help with car insurance for teens in Atlanta and other parts of Georgia. Please contact us for a review, we would be happy to see how we can help.
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