Life is complicated, insurance doesn't have to be.
Read time: 3.5 minutes
When you’re adding a new driver to your policy, you likely
already have enough on your mind and insurance can be a lot to
navigate as is. So, we’re diving into the important things you need
to know when your newest driver gets behind the wheel.
Tell your insurance agent or company when your teen
enrolls in driver’s training.
You don’t have to wait for your teen/new driver to have their
license. In fact, it’s a better idea to tell your insurance agent or
company when your new driver starts training. Oftentimes they can be
added to your car insurance policy as non-drivers until their training
What if a student driver gets into an accident?
This is why letting your agent/carrier know is so important!
If your student driver got into a car accident, you would still
follow the normal claims-reporting procedure.
Your auto insurance rate may change.
Yes, adding a new driver to your policy will likely change
the premium you pay for your insurance. Young drivers tend to be
seen as a higher risk. So, what you pay for your premium will likely
increase. To what amount it increases will depend on your policy.
Cheaper insurance isn’t always better.
Knowing that your insurance premium may increase may make it
seem like a good time to shop around for a different insurance
company in favor of a cheaper policy. However, finding a cheaper
policy may not equate to adequate coverage, and having adequate
coverage is important if you’re adding an inexperienced driver to
You may qualify for discounts.
The good news is adding a student driver to your policy may
mean you have a discount or two coming your way. When you add your
new driver, make sure to reach out to your insurance agent or
company to ask about what new discounts you may qualify for.
At Auto-Owners, we offer several discounts for student
Read more: Making
the Auto Insurance Switch
Comprehensive and collision coverages may be a good
addition to your policy.
Anytime you add another driver to your policy, especially an
inexperienced driver, your risk for collisions and other damages to
your vehicle will likely increase. Looking over the coverages on your
policy and considering a few additional ones may be a smart idea,
specifically comprehensive and collision coverages.
Comprehensive insurance helps pay for damages to
your vehicle caused by factors other than an accidental collision,
such as fire, vandalism, weather (hail, flooding, wind, lightning,
etc.), theft, impact with an animal, etc. (Exclusions may apply.)
Collision insurance helps cover the cost of loss or
damage to your vehicle when it is involved in an accidental
collision with another vehicle or object. (Exclusions may apply.)
If your new driver makes long trips, consider adding
Road Trouble Service to your policy.
Trouble Service can be a huge help if your young driver finds
himself stuck on the side of the road in need of a tow or other
mechanical help. Even things like getting locked out of the vehicle,
needing a jump-start, or running out of gas are included in our Road
Trouble Service coverage. These services could be a great comfort to
your new driver in a stressful situation on the road.
Show your new driver where you keep the vehicle’s
registration and proof of insurance.
It’s good to keep your registration and proof of insurance in
a place that’s easy for your new driver to access. Take a minute to
show them where it’s kept in case they need to present it to an
officer. Many insurance companies, including Auto-Owners, offer the
ability to show your proof of insurance in their app. Make sure your
new driver has the insurance company’s app installed and signed in
on their phone if you want them to have that available to them.
This may also be a good time to review what
to do if they’re in a car accident.
Read more: You
Just Got Into a Car Accident. Now What?
A driving contract can help you and your new driver
feel more confident.
To create some ground rules, consider creating a Parent-Teen
Driving Contract. Your teen can sign the contract to show they
understand and agree to the terms of their driving privileges. Driving
is a privilege and a responsibility, not a fun activity. To help you
get started, we created this Parent-Teen
Driving Contract template.
Read more: A
Guardian’s Guide: How to Help Teen Drivers Be Safe
We know watching your new driver hit the road can be both
scary and exciting. These tips can help you prepare for this
transition and feel a little more at peace with them coming on
Copyright Auto-Owners Insurance Company © 2023. All Rights Reserved.
* Products referenced may not
be approved/available in all states. Limitations and
conditions may apply. Premium will be based on benefits
chosen and policy rates available at time of application.
Disclaimer: This article is not expert
advice. The analysis of coverage is in general
terms and is superseded in all respects by the Insuring
Agreements, Endorsements, Exclusions, Terms and Conditions of
the Policy. Some of the coverage mentioned in this material may
not be applicable in all states or may have to be modified to
conform to applicable state law. Some coverages may have been
eliminated or modified since the publishing of this
material. Discounts may not be available in all states.
Limitations and conditions may apply. Premiums will be based on
benefits chosen. Please check with your local Independent
Auto-Owners Insurance Agent for details.