Are you about to add a teen driver onto your Ohio insurance policy?
Let’s admit it: adding the first teen driver onto our auto insurance policy can be very scary. Not only are we crossing our fingers that the new insurance premium won’t break the bank, but we are also sending our babies out behind the wheel. Here at Preferred Insurance Center, we want to make this transition as easy and manageable as we can.
- Did you know most Ohio insurance companies do not require a permitted driver be added onto the policy until they get their driver’s license? A permit driver is required to have a parent or a legal guardian as co-pilot. Therefore, most Ohio auto insurance companies do not require them to be added until they get their license. If you are unsure if your permitted driver is covered, give us a call and we can check for you.
- Most states require we add our licensed teen drivers onto our auto policy if they are members of our household and/or drive our vehicles on a regular basis. If they are not added, the company may or may not cover them if they are involved in an accident.
- Adding the first teen driver onto our policy can give us the most sticker shock than any other change we make to our policy. Youthful operators are among the highest-risk drivers out there and companies have more at stake to insure them. Also, statistics show that boys tend to take more driving risks than girls and are usually slightly more expensive to insure.
- Our kids can help by doing their part and keeping their grades up. All of our companies give a Good Student Discount for any youthful operators who are full-time students that maintain a “B” or better grade point average. This can be up to a 10% discount (varies from company to company).
Again, we want to make this transition as easy and manageable as we can. So, once that big day arrives, let us know. We will reach out to all of our companies to make sure you are in the best fit once that first child is added. As always we’re here to help.
Give us a call to learn more about adding a youthful driver or any other questions you may have, 419-678-2326. Or Click Here to request a quote online!
Kelly Heitkamp | Service Specialist