When you have children, auto insurance can be complicated. What is the best way to go about this? The answer is adding your children as drivers on your auto policy! Learn more and then contact us at Abercorn Insurance Agency in Savannah to add your teens to your car insurance policy today.
Adding Your Children to Your Auto Policies
Why Add Your Kids?
When you add your teens to an auto policy, they are covered under the same car insurance plan. This means that all of the benefits apply including liability coverage if there is an accident. If your child is injured in an accident, they will be covered by the auto policy, same as you.
When Should You Add Your Child?
To be safe, it's best to add your kids once they get behind the wheel. Add your teen once they get their learner's permit (usually as young as 15), and/or their driver's license (16 and up). If your teen is driving without a license, they may not be covered under the policy.
How Much Does It Cost?
Adding your children to an auto policy does come with a cost. The good news is that it is typically very affordable, especially if you are already buying car insurance for other family members — such as yourself! The auto policy is intended to cover the added cost of insuring your children, not raise rates on everyone else who is insured under that plan. For more specific rates, get in touch with Abercorn Insurance today.
What About Unlicensed Drivers?
Unlicensed drivers are covered under a parent's auto insurance policy as long as they live in the same household and are listed on the policy. Without listing your children on your policy — whether they have a license or not — they may be responsible for accident damages. Adding your teens to your policy can provide peace of mind for parents who want to make sure their children are taken care of in an auto accident.