Entering the world of driving is an exciting time in a teen’s life. However, beyond the excitement of the open road, there are certain things you need to be aware of so that you are not just a licensed driver, but also a safe and legal one. One of the most important aspects of driving is understanding insurance. Here is what every teen in Rome, GA needs to know about auto insurance.
You May Not Need Your Own Policy
In most states, teens will not need to worry about purchasing their own insurance policy when they first get their license. Your parents will have the option to simply add you to their policy. This is often the most affordable option considering the fact that adults get better insurance discounts than younger people.
The exception to this might be if you own your own vehicle. It is always a good idea to speak with an insurance representative in order to get all the information you need for an informed decision.
Remember the Cost for Your Parents
As a teen driver, you should keep in mind that when your parents add you to their policy, their insurance premiums will go up some. This is not something you should feel guilty about, but rather it should help you remember that driving is a privilege and also an expense that you will need to respect and prepare for in your own adult life. For this reason, you should always do your best to be a safe and legal driver so as not to endanger your parent’s insurance policy and premiums. Every ticket or accident will result in even higher premiums.
You Can Help Your Parents Out
Even though adding a teen driver will initially raise insurance rates for your parents, there are several ways you can help out. First, get good grades in school. Surprisingly, most insurance companies will offer great discounts for students who maintain good grades. Usually, a B average can result in a discount for your parents.
You can also help out by enrolling in drivers ed courses. Insurance companies want to ensure safe drivers. The better educated you are on how to drive well, the safe you are and therefore the better of a risk you are for the insurance company. Take drivers ed and do well. This can mean discounts for your family.
If you would like to learn more about how auto insurance works for teens call us at Coosa Valley Financial Group in Rome, GA today.