The Pros and Cons of Adding a Teen Driver to Your Auto Insurance Policy

Adding a teen driver to an auto insurance policy is a significant decision for many Illinois parents. While it can offer valuable benefits, it also has certain drawbacks.

Benefits of Adding a Teen Driver

Including your teen in your policy ensures they are covered under your existing auto insurance, protecting against the potential financial consequences of accidents and liabilities.

Illinois drivers must have auto insurance coverage that meets the minimum limits, regardless of age.

If your teen driver is 18, they can get their own policy, but it’s typically more expensive than adding them to your coverage.

Many insurers offer discounts for good student performance or completion of driver safety courses, which can help offset the cost of adding a teen driver. Your agent can help identify appropriate discounts.

Drawbacks to Consider

Frequent claims or traffic violations by a teen driver can lead to policy adjustments or increased rates. Avoiding moving violations, including at-fault accidents, is crucial for teens to maintain a good driving record.

How Joan Polec Insurance Can Help

Joan Polec Insurance is here to assist Illinois parents in making informed decisions. Our team can help you explore coverage options, identify potential discounts, and ensure your policy meets your family’s needs. For personalized advice, contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.