![]() One approach is to be strategic about which vehicle in your household you list as your teenager’s primary mode of transportation. Q: Are There Ways to Reduce the Premium Impact?Ī: We always walk through your options together and try to find you the best fit for your new driver. Our Agents will work with you to try to figure out the best way to mitigate the impact of these premium jumps. It’s a big jump because of all the data that 16-, 17-, 18-year-old drivers have a lot of accidents and a lot of claims. Q: How Do Teen Drivers Affect Premiums?Ī: Unfortunately, teen drivers tend to have a big impact on the cost of insurance policy premiums. ![]() So, while it’s best to reach out to your Agent as soon as your teen gets their license, don’t be surprised if your Agent calls you first to congratulate you on your new driver and ask how you would like to add them to your policy. Q: How Do You Add a Teen Driver to Your Policy?Ī: Texas Farm Bureau Insurance’s offices are notified when the state issues a new driver’s license to someone in your household. ![]() But once that first driver’s license is issued, it’s time to add your new driver to your policy. If a driver with a learner’s permit is behind the wheel and an adult is in the car, the adult’s insurance policy will cover any accidents that may occur. How can you stay prepared, safe, and covered during this moment of transition? Kevin Skiles, a Texas Farm Bureau Insurance Agent in Abilene, tackles some of the key questions that both parents and new drivers face Q: When Do You Need to Add a Teen Driver to Your Policy?Ī: When your teenager is beginning to learn how to drive, you don’t need to add them to your policy yet. What often gets overlooked in the excitement and consternation of receiving one’s first license is teen driver insurance. On the other hand, having another driver in the house can be incredibly helpful, especially if it means an end to your back-and-forth trips on school days. After all, the thought of your child suddenly behind the wheel can be scary. The moment may also fill parents with questions, concerns, and understandably mixed emotions. There is no moment in American life that symbolizes the transition from childhood to adulthood quite like getting a driver’s license.
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