Everyone knows that Car Insurance in Adrian MI is more expensive for teen drivers. They have less behind-the-wheel experience and tend to take more risks than adults. Some parents insist that their teen maintain their own Car Insurance in Adrian MI to teach them to be financially responsible. However, in most cases, it is most cost-effective to add a teen driver to the family Car Insurance in Adrian MI than to get him or her a separate policy.
As an adult who has maintained Car Insurance in Adrian MI for many years, you get a lot of discounts. You may have your auto insurance with the same company as your home and life insurance or you may be getting discounts because you haven’t filed a claim in a number of years. By adding your teen driver to your policy, your child will be able to take advantage of the family discounts. If he or she gets their own policy, they are likely to pay full price for their auto insurance.
Another advantage of adding your teen to your policy is that their car will qualify for your multi-car discount. One car that is part of a group is less expensive to insure than a single car on a separate policy. Another advantage is that your teen can drive your car and you can borrow his or her car if necessary.
In some cases, it may be cheaper for a teen driver to carry their own Car Insurance in Adrian MI. If you drive an expensive car or have a poor driving history, your teen may be able to save money by purchasing their own policy. Your teen driver can take advantage of lower rates for their good grades, clean driving record and successful completion of a certified driver’s education course.
Each family’s situation is unique and only an experienced agent can tell you the most cost-effective way to cover your teen driver and their car. Contact Kemner Iott Benz at kemneriottbenz.com to get more details.