Teen Auto Insurance

Commonly Asked Questions About Teen Auto Insurance

Q. Why is insurance so expensive for teenage drivers?
A. The cost of auto insurance varies from one group of drivers to another because some groups have worse driving records, higher accident rates and more costly accidents than others. The highest insurance rates are paid by male drivers under the age of 25. Teenagers have higher insurance rates due to their lack of experience in operating a motor vehicles.

Q. Can I be added to my parents’ auto insurance?
A. If you drive a family car, you can be added to your parents’ policy. However, the cost of the policy will increase. (Some companies insure young drivers only on a family policy.) If you have your own car, your parents’ company may sell you a separate policy, but at a different rate than your parents.

Q. Do I have to be a certain age to buy my own insurance?
A. No. However, you must have a valid driver’s license and own a vehicle. In many states, you must be 18 before you can own a vehicle without an adult’s name on the auto registration.

Q. Will my rates go up or will I lose my insurance if I get into an accident or get a ticket?
A. If you are not at fault in an accident, your insurance should not be affected. If you are at fault, get a ticket for a serious violation (i.e. drunk driving), or are involved in an accident that racks up expensive property damage (i.e. crashing into a tree), your rates may increase at the time of renewing your policy because you will be categorized into another higher risk group of people who have recently been in an accident. You can no longer be placed into the accident-free group that you were in before the accident.

Q. If I loan a car to a friend who has an accident, is he or she covered by my insurance?
A. Under most circumstances, someone using your car with your permission is covered by your insurance. If the person borrows your car with your permission and is involved in an accident, your insurance will pay just as if you were the driver. However, in some states, some insurers may limit the coverage.

Q. Should I report all accidents to my insurance company?
A. Yes. You should report all accidents even if you do not end up filing a claim. If you don’t report these incidents, you run the risk of being sued by the other people involved and your insurance company will be at a disadvantage in defending you.

Q. Car Insurance for Teenagers
A. So you’ve got your new driver's license and, as you’re probably aware, it’s illegal to hit the streets without auto insurance. You probably also know that insurance rates are based on how likely you are statistically to get into a crash. Unfortunately, as a first-time driver, the numbers aren’t on your side. The risk of crash per mile driven is thee times higher for 16-19 year olds than for drivers age 65-69. But, there are some things teenagers and parents can do to save money on insurance rates. The Christopher Williams Agency wants to help you get the insurance you need to protect yourself, car and family.

Get on your parents’ policy.
 It’s usually more cost effective to add a teenager to their parents’ policy, rather than be insured separately. Most companies won’t charge an additional premium until the teen is a licensed driver. Parents need to inform their insurance agent or company that their teenager is being added to the policy. Deliberate concealment could impact coverage.

Good grades pay off. Most insurers offer a discount, some as high as 25%, for students who maintain a B average. Figure out your GPA here.

Driver experience.
 Graduated Driver Licensing law requires teens to log 50 hours with an experienced driver, but taking a formal drivers training course will likely save on insurance. Many companies offer up to a 10% discount.

Q. Graduated Driver's License Program:
A. Recognizing the importance of driving experience, New York―like many other states―has adopted a graduated driver's licensing program for drivers under the age of 18. Under the dictates of this program you must:

  1. Obtain a learner's permit.
  2. Enroll in a driver's education class. For link to Driver Ed classes, click here.
    For AAA Point Reduction Programs, click here.
  3. Obtain a Certificate of 50 Hours of Driving Experience.
  4. Apply for a junior driver's license. If you did not complete a driver's education class, you must instead enroll in a pre-licensing safe driving course.
  5. If 17, upgrade to a standard Class D license provided you have completed a driver's education course.

Penalties can land you back in the passenger seat.
 Death and injury are the highest price drivers can pay for drinking and driving, but even if you manage to survive, a D.U.I. ticket will cost teenagers big time. As a teen driver, you’ll likely be canceled and if you can get insurance, expect to pay a much higher rate for the next 3-5 years. Traffic crashes and citations will also impact your premium. Rack up more than three and teens face cancellation or non-renewal.

Drive an "insurance friendly" vehicle.
 Cars that are a favorite target for thieves, are expensive to repair, or are considered "high performance" have much higher insurance costs. Before you buy a car, contact your insurer to get a quote on what it will cost to insure.

For more information about all our services call 585-586-3060 or contact us
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