If you are a West Hartford, CT resident with a son or daughter who is learning how to drive, you should consider how adding someone new to your auto insurance plan will affect your rates and coverage. Below, we will discuss this matter in depth so that you can plan ahead for when your child finally reaches legal driving age.
Insurance Rates and Teens
To start with, yes, your insurance rates will likely change when add your teenage son or daughter to your plan. Insurance companies base their rates on how likely drivers are to get into an accident statistically. Teenage drivers don’t have a lot of experience, so they are statistically more likely to get into an accident.
Knowing that your rates will go up shouldn’t completely depress you, however. There are steps you and your teen can take to lower these rates. For example, there are usually discounts available if your teenage son or daughter completes a certified driving course, and there are even discounts available if your student gets good grades in school.
Finally, you can outfit your vehicle with what is called a telematics device. This measures how well the driver is doing driving the car, and if you receive good rates or if your teen receives good rates, this can lower your overall insurance costs.
Contact ALLConnecticut Insurance Today
If you are a West Hartford, CT resident, ALLConnecticut Insurance can help you find a comprehensive auto insurance plan for you and your family or discuss your current policy and how it will change when you add your new driver to the plan. Call us today, or feel free to stop in to our nearest location to speak with an agent directly. We look forward to working with you!