September means school buses, morning carpool lines, and for many families, a new teen driver on the road. Whether your teenager is driving themselves to high school for the first time or heading off to college with a car in tow, back-to-school season is a good time to make sure your auto insurance keeps pace with your changing driving needs.
Here’s what to know about insuring teen and student drivers this fall.
Add Your Teen to Your Policy Before They Start Driving
If your teen has a new license, they typically need to be added to your auto insurance policy before they get behind the wheel, even if they’ll mostly be driving your car. Most insurers require you to list any licensed driver in your household, and failing to do so can create coverage gaps if your teen is involved in an accident. Reach out to The Garrity Agency, LLC as soon as your teen gets their license so we can help you understand your options and get them properly covered.
Ask About Student and Good Grade Discounts
Many insurance carriers offer discounts for student drivers who maintain good grades, often a B average or higher. Some also offer discounts for completing an approved driver’s education course. These programs vary by carrier, so it’s worth asking what’s available when you add a teen driver to your policy.
Consider a Defensive Driving Course
Beyond any potential discount, a defensive driving or driver’s education course can help new drivers build safer habits behind the wheel. Distracted driving, speeding, and inexperience with night driving are common risk factors for teen drivers, and additional training can help address all three.
Review Coverage for the Car Your Teen Drives
If your teen will be driving an older or lower-value vehicle, it’s worth reviewing whether your current liability, collision, and comprehensive coverage still make sense. On the other hand, if your teen is driving a newer or shared family vehicle, you’ll want to make sure your policy limits reflect that added exposure. An insurance professional can help you weigh the coverage against the value of the vehicle.
Set Clear Rules Around Passengers and Phone Use
Insurance aside, some of the biggest risk factors for teen drivers are distractions like passengers and cell phones. Many states have graduated driver licensing (GDL) laws that restrict when new drivers can be on the road, how many passengers they can carry, and whether phone use is allowed while driving. Reviewing these rules with your teen, and reinforcing them at home, can help build safer habits and may reduce the likelihood of a claim.
Special Considerations for College Students
If your student is heading to college, their coverage needs depend on whether they’re bringing a car with them. If they’re taking a vehicle to campus, they may need to update their policy to reflect a new location, especially if they’re moving out of state or to an area with different traffic patterns. If they’re leaving the car at home and won’t be driving regularly, ask about a reduced-use policy, which may lower your premium while keeping coverage in place for school breaks.
Students attending school without a vehicle nearby may also be eligible for a resident student discount if they remain listed on a parent’s policy but aren’t driving regularly.
Revisit Your Coverage Every School Year
Teen and student driver situations change quickly. A new car, a change in address, a new job with a commute, or simply another year of driving experience can all affect what coverage makes sense. Reviewing your policy each fall, alongside back-to-school planning, is a simple way to help make sure your family’s coverage still fits your needs.
Let Us Help You Prepare for the Road Ahead
Adding a teen driver to your policy doesn’t have to be complicated. The team at The Garrity Agency, LLC in Carlisle, Pennsylvania can help you explore your options and find coverage that fits your family’s needs this school year. Give us a call at (717) 243-3467 or fill out our online form to get started.
