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Martin Insurance Team is here to help any parents in Evergreen Park, IL who are looking to add teen drivers to their auto policy. There are certain considerations that need to be made before a motorist can make a final decision. These are the areas that are most commonly discussed when these situations arise…
1. Rates Are Going To Rise
This is a given but it should not deter parents who are looking to insure their young drivers. The accident rates for these drivers are higher but there are discounts available. An experienced insurance agent is able to point their clients in the right direction in this regard.
2. Liability Insurance Will Increase
These drivers are more likely to be involved in accidents than any other group. As a result, parents who wish to insure their young drivers will want to make sure that they are obtaining the proper amount of liability insurance. Don’t make the mistake of relying on bare minimum coverage.
3. State Rules
Illinois laws require teen drivers to maintain a certain level of coverage. Bodily injury and property damage are the two primary areas of insurance that have to be discussed. While every parent should certainly take the time to obtain these policies, bare-bones coverage should not be relied upon. Find out more about the other factors that have to be considered.
4. College-Aged Drivers
When children head off to college, they will usually need access to a vehicle and a reliable form of coverage to go with it. Many insurance companies actually offer a discount to students who are heading to college. If the teen lives a certain distance from home and will not be driving the car as often, they often qualify for lower rates.
5. Continued Driver’s Education
Driver’s ed does not conclude once the teen has their license. The longer the teen is able to drive without causing an accident or incident, the lower their rates will be. Parents can also enroll their children in various continuing education programs, so that their rates drop even further.
Be sure to meet with Martin Insurance Team as soon as possible to discuss teenage driving concerns. Any concerned parent in Evergreen Park, IL will want to take all of the necessary steps to ensure continued protection for their teenage motorists.
