How to Insure Your Teen Driver

Teens in Oklahoma need auto insurance to drive legally and to cover damage and injuries they may cause in an accident. Driving without coverage could lead to penalties such as fines, license revocation or imprisonment.

What Types of Coverage Do Teen Drivers Need?

Teen drivers need a robust auto insurance policy to handle the financial fallout of various mishaps. Your agent may recommend the following:

• Liability coverage may compensate third parties for property damage or injuries if your teen is at fault in an accident.
• Collision coverage may pay to repair your teen’s vehicle after a crash.
• Comprehensive coverage may help provide financial support if the car is stolen or damaged due to fire, vandalism or windstorms.
• Uninsured or underinsured motorist coverage may prevent financial loss if your teen is involved in an accident with an at-fault driver who lacks liability insurance.

How Much Does Auto Insurance Cost?

Insurance for teen drivers is generally more expensive due to their lack of driving experience and higher accident risk. Premiums depend on several factors, such as the type of vehicle, your location and the types of coverage selected. Ask your agent about potential discounts for students with good grades, completing driver education programs or adding your teen to a family policy.

How Do I Secure a Policy?

Follow these simple steps to obtain auto insurance for your teen:

• Gather your teen’s information, including their driver’s license, driving history and school records if you plan to ask about good student discounts.
• Compare policy options to see what fits your needs and budget.
• Decide if it makes more sense to add your teen to your existing policy or purchase a separate policy.
• Ask about available discounts such as driver education, safe driving apps, or multi-policy savings.
• Finalize your choice, review the policy details carefully and make the first payment to activate coverage.

We’re Here to Help

The Kimberlee Agency offers auto insurance at favorable rates. Our team in Roland, OK can recommend options and help your teen get suitable coverage. Contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.