How Does Your Teen Driver Affect Auto Insurance?

Your Scottsdale, AZ teen needs to be insured and, unfortunately, having a teen driver is likely to raise your rates. The reasons why teen drivers are more expensive to insure is because new drivers are dangerous on the roads. As a group, teen drivers have more tickets and accidents than the average driver.

While a teen driver can have his or her own policy, it’s often cheaper to add them to an existing policy. The premiums are often based on the driving record of the policyholder. A teen driver won’t have a good driving record established, so adding the teen to an existing policy will help with that.

The type of car your teen will drive will also affect auto insurance levels. Premiums are based on the type of car as well. You are better off having your teen drive a car that costs less to insure, such as a four-door sedan or a crossover SUV, instead of a car with a much bigger and faster engine. You also want to keep in mind the various safety features that can benefit your insurance. There may be other discounts available, such as a good student discount for those that have a “B” average or better. Contact your agent and discuss these issues to find out more.

If your teen is not living with you and away for school, talk to an agent about a different rate if they aren’t going to be driving the car on a regular basis and just driving during breaks.

With a teen driver, you may want to consider an umbrella policy in order to have more coverage if your teen gets into an auto accident and you get sued. An agent at Alliance Insurance Partners can help you decide the right amount of coverage for your needs.

Contact Alliance Insurance Partners, serving Scottsdale, AZ, to get a quote on auto insurance for your teen driver.

When to Call Your Auto Insurance Agent After An Accident

Alliance insurance Partners works with you to ensure we cover every situation when it comes to auto insurance. Located in sunny Scottsdale, AZ we serve our residents here with pride.

Whether you are in a fender-bender or an accident that involves the need for emergency medical attention, contacting your insurance agent is critical. When you are involved in a motor vehicle accident, it is not always easy to think clearly. It can leave you in a daze, and the adrenaline can affect your judgment.

It is also challenging to be objective in this situation. Adrenaline is rushing through your body at a high rate of speed, and you may be in an emotional state since the wellness of your physical body has just been threatened.

Immediately, people involved in a motor vehicle accident tend to want to assign blame either to themselves or the other party. Believe it or not, that is not as important as making sure you are medically OK. Your first call should be to the police. Depending on the severity of the accident, the 911 operator may call for an ambulance simultaneously.

Your second call should be to your car insurance agent. They will tell you the best way to proceed. It is important that you have a policy that protects your vehicle and your health. An auto insurance policy has much more coverage beyond the liability if you work with an agent to build a quality plan.

Start our alliance today! If you are already a part of the Alliance Insurance Partners family, stop by to say "Hi" and to review your policy. We want to serve the Scottsdale, AZ and neighboring areas with a smile and lasting impression. Try our online rating tool for quotes from home on auto insurance. Our agents can also work with you to determine if you need an update to your policy. Reach out to us and let us help you.