When your child comes of driving age it can be both exciting and nerve-racking. Here are a few things you should know before you add your teen to your car insurance.

Your Rates Will Go Up

There isn’t really any getting around this. A teen driver is a bigger risk than an older driver. For this reason, your rates will go up some when you first add your teen. Many families find it a good idea to require the teen to help toward this expense with afterschool work. This is a great way to offset the new expense while also teaching your child the cost of driving.

There are Discounts

Many insurance companies will offer families discounts for things such as good grades. This is a great incentive to help your child do their best in school. Setting up requirements that grades stay at a certain place in order to earn the privilege of driving will benefit you and your child in several ways. Grades improve, insurance is cheaper and the child learns that something is required of them in order to have the privilege of driving. 

Driver’s Ed Helps

You can also get discounts by enrolling your child in a driver’s ed program. This benefits you and your child in several ways. First, your child will get a systematic education on the best driving techniques. This is often better than mom and dad simply instructing them their self. Secondly, your child will be a safer driver and third, you can save some money on your car insurance costs. 

Set Boundaries and Stick to Them

Teens need to understand that driving is a privilege that they can lose if they are not contributing and following the rules. Use their new driving privileges as leverage to enforce these rules and expectations. 

If you would like to learn more about adding your teen to your insurance policy contact Old Pueblo Insurance serving Oro Valley, AZ