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Should You Get Car Insurance For Teenagers?

Aug 8, 2008
If you are a parent of a teen, you must know how stubborn the younger generation can get when it comes to them having their own cars to drive to school. And if you don't want to give him his own car just yet, he will begin borrowing yours until you're fed up with it. This is actually understandable. Driving a car for a teen of the legal age is like having a ticket to be an adult. Young drivers think they're free when they drive their own car and they love the feeling of being in control. If you decide to give your son or daughter a car, it is best that you also consider the price of car insurance for teenagers before making the move.

As far as the insurance of teenage drivers is concerned, you have at least two options. First, you can declare your son or daughter as a part-time driver of your car, making them a rider of your own policy. Or you can simply give them a car insurance policy that is entirely his own. Between these two options, the latter is the better one - especially if you intend to give your son a car for himself.

This is because your teenager will be the car's principal driver after all. That means he needs full coverage rather than a getting a small portion of your policy. A full coverage gives him adequate protection from all the uncertainties that the road may bring. And as parent, you'll be glad to know that his own car insurance policy frees you of minor car repair problems.

The problems that your son or daughter will encounter on the road will be the same as the ones you may face. This only goes to show that he needs as much protection as you do. In fact, they may even need more because they're a new, inexperienced driver next to you.

However, parents should remember that car insurance for teenagers doesn't guarantee their safety. What these policies can provide is peace of mind. It takes care of all the car repairs needed and even the rehabilitation of injuries, should the unfortunate happen. Of course, it all depends upon the coverage that you get for your teenager.

In certain states, driving without insurance is illegal. Your role as a parent includes teaching your teenager to obey all the existing traffic laws enforce within the state. Defensive driving should be drilled into your teenager's head for safety reasons.

Car insurance for teen drivers isn't cheap. It could even cost double that your own premiums. This is all because a teenager is new on the road and doesn't have much experience when it comes to driving unlike anybody older. Just give it a year or two. Once the insurance provider had proven that your teenager is a responsible and safe driver, his premium would go down naturally.
About the Author
Sal provides information about car insurance for teenagers through his website on car insurance for teenagers guide.
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