Why You Should Add Teenage Drivers To Your Auto Insurance Policy

Selden, NY residents with teenager drivers in their home often visit XL Brokerage Inc. with certain questions on their mind. Many wonder if XL Brokerage Inc. can provide them with insight about their current auto insurance policy and whether teenage drivers should be added.

In a word? Yes. Selden, NY teenagers who are planning to become motorists will benefit immensely from being added to their parent or guardian’s auto insurance policy. Let’s take a closer look at some of the advantages that are gained.

Avoiding Lawsuits

Let’s say that a parent has allowed their teenager to get behind the wheel without being added to the auto insurance policy. It’s just a quick trip around the corner, right? What’s the worst that could happen? A lawsuit could take place as the result of a seemingly minor accident and if these lawsuits are filed against the parent of a teen driver, all of their assets could end up being at risk as a result.

Tracking Their Driving Skills

There is a wide range of policies that allow parents the chance to track their teen driver with the use of electronics. These electronics are not used as a means of surveillance but they do provide the opportunity to collect important data. The insurer is able to find out more the rate of speed that the driver is traveling at and they can also make sure that the teen is not working the brakes too hard.

Student Discounts

Is your teen driver a top-notch student? If so, they may qualify for a good grades discount. There are also discounts available for teen drivers who are heading off to college soon. If the student is not going to be taking the car with them, a parent can save money by requesting a "distant driver" discount.