As excited as your teen is to finally get their driver’s license, you may have been dreading the day because you are unsure how having an inexperienced driver on your policy will effect your premiums. Parents often have a lot of questions about car insurance as their teens prepare to start driving and the best person to ask is the agent that handles your Auto Insurance in Oklahoma City OK. Your agent has experience insuring families with young drivers and can help you make the best decisions for your personal auto insurance policy.
Your agent can review your policy and tell you whether it would be less expensive for you to add your teen to your existing policy or for your child to purchase a separate policy. Adding another driver to your policy will allow them to take advantage of your discounts and may even qualify you for another discount if your teen has their own car. However, it is important to note that your teen’s driving record will have an effect on your rates.
Be sure to stress the importance of safe driving with your teen. As they are gaining experience behind the wheel, they should keep their cell phone in their pocket or purse and avoid conversations with passengers. Distracted driving is one of the leading causes of crashes among young people and can be especially hazardous on the highway. Forming a habit of keeping their phones out of reach while they are driving will make your teens safer drivers. By avoiding accidents and obeying traffic laws while they are young, your teens may be able to secure favorable rates for Auto Insurance in Oklahoma City OK on their own when they get older.
Many insurance companies offer discounts on auto insurance to teen drivers that get good grades in school. If your teen has at least a B average, be sure your agent knows. You may also get a discount if your teenager completed an approved driver education program through their school or with a private trainer. By demonstrating safe driving habits and following traffic laws, teens may be eligible for additional discounts on their Auto Insurance in Oklahoma City OK.
