Teenage Driver Insurance FAQs

Teenage Driver Insurance Information You Need To Know

For starters, a very popular question we are often asked is, when should I add my teenage son or daughter to my auto insurance policy?  This is a great question and the bottom line is this, as soon as your child gets their license, you should contact Farmers to add them to your policy.  If you decide not to add them to your policy, it’s important to know that if an incident arises with your teenage driver, you are leaving yourself exposed to a potential denial of the claim and for this reason, we want to stress how important it is to get your son or daughter added to your policy immediately.

This leads to another frequently asked question, what discounts are available for students?  At Farmers, we have you covered with our good student discount.  This discount can help provide a nice saving on your insurance costs.  In order to qualify, your child must provide documentation that they are between sixteen and twenty four years old and that they are a full time student in high school or college.  They must also provide their school academic records for the previous school semester or quarter showing that the student achieved one or more of the following, that they were ranked scholastically in the upper 20% of his or her class or had a grade point average of 3.0 or higher, or were included in the Dean’s list or Honor roll.  So by showing proof of any one of these three achievements, your son or daughter can qualify.  This is a great discount that you won’t want to miss out on.

Another common question is, do you have any tips or advice that parents can pass along to their new teenage drivers?  At Farmers, we know that a big part of welcoming your teenage driver to the roads is a concern for their safety.  That’s why we developed the Y.E.S [You’re Essential to Safety] program.  You’re Essential to Safety is a free program that can help your child better understand the importance of safe driving.  As teenagers complete the program, they will see facts, read stories and meet a few young people who have already learned about driving safety the hard way.  This information may help them to make better decisions when they’re on the road.  There is a Y.E.S video, an online quiz and an agreement that both you and your teen can sign, outlining the rules of safe driving that both parties agree to.  Educating young adults about driving safety is as important to us as it is to you and we hope you take advantage of the Y.E.S program to help your teen recognize the importance of making good driving decisions.  Another incentive for having your son or daughter complete the Y.E.S program is that it can provide a discount on your auto premiums.  Be sure to check with your agent for eligibility details as not all discounts are available in every state.

In addition to the Y.E.S program, we have also developed a teen driving guide for parents.  This guide provides some useful tips for parents when teaching new drivers responsibility behind the wheel.  In the meantime, we will review a few of these tips to get you started.  First, be clear with the rules.  Be specific about the time they should be home, how many friends they can have in the car, that texting is not allowed while driving and so on.  Also, you should always know where your new driver is going.  Second, spell out the consequences.  Your teen needs to understand that if these obligations are not met, there will be serious consequences, including surrendering the car keys.  Third, set a great example. Your teenage driver will mimic your behavior.  If you are texting and driving, there is a better chance that your teenage son or daughter will do the same and unfortunately texting and driving is a big temptation for teens.  In fact, 13% of drivers aged 18-20 involved in car crashes admitted to texting or talking on their mobile devices at the time of the accident.

Our next tip involves education.  At Farmers, we believe that the more driving instruction you can provide for your teen, the better.  Whether it’s a one-time safety course or a full-fledged driving school.  This instruction better prepares your teen driver for the responsibilities of driving.

So we hope we’ve answered some of your questions about how to ensure your teenage driver operates his or her vehicle safely and responsibly on the road.

Sing your teenage driver for our next class! Call us today at 480-491-8585 if you are in Arizona or California and sign them up for Jim’s next class or learn more about all the services we offer.  That’s why we’re here!


* Disclaimer – Please check with your insurance agent as coverages are different between states and insurance companies.

Topic: Teen Driver FAQs