How to Add a Teenager to Car Insurance
You need to add a teenager to car insurance after he gets his license. In fact, some states require that you list him on your policy when he gets his learner's permit, although insurers usually don't charge additional premiums until he has his license. Although your company might pay for damages if he is in an accident without being on your policy, they can charge you back-premiums. It's easy to add your teen to your insurance policy, but it is costly. Because young drivers are a high-risk category of drivers, insurance companies charge higher premiums.
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Instructions
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Contact your insurance company and tell them that you'd like to add your child to your car insurance. You will need information such as his date of birth and driver's license number. You also will need to decide whether to name him as a primary driver on a particular car.
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Inform the insurance company of the date that your teen got his license. If you don't contact the company immediately after your teen gets his license, you still might be responsible for paying the premiums for the time that you missed.
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Ask about discounts available for your teen. For example, insurance companies often give a discount to good students. If your teen has a 3.0 GPA or higher, he might be eligible for a discount. Your insurer also might offer good driver discounts, which can reduce your rate if your teen maintains a good driving record.
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Pay the extra premiums on your insurance. You'll get a bill for the additional amount. You must pay this to keep your insurance valid.
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Tips & Warnings
Consider purchasing a separate policy for your teen if your teen owns his own car. If your teen drives an older, used car, it could be less costly to insure.
Ask your teen to pay at least a portion of the car insurance. This helps to ensure financial responsibility.
This can be a good time to compare costs of insurance. Some companies might charge lower premiums for teenagers than others.
Reporting any type of accident will automatically increase your insurance premiums. Try not to report minor scrapes and dings to avoid these increases.
