Auto insurance needs for a teen driver in Napa, CA
Purchasing an auto insurance policy for your teen driver is a requirement by California law. Like any other car driver, your teen will be required to carry minimum liability coverage of bodily injury and property damage liability. Finding a policy that suits their needs can be a challenge, but Wine Valley Insurance Services can help you keep your teen safe on the roads. So, which policies should you focus on, and how do you ensure you are not overcharged just because your teen is a new driver. Here are a few expert tips to take home.
Involve your teen in insurance talks
From the very beginning, it’s essential to talk to your child about their responsibilities as drivers. They need to understand that auto insurance is not cheap and reinforce safe driving tips. You should also explain to them the process of purchasing auto insurance and the consequences of reckless driving. Let them know that increased claims can lead to costly premiums, license revocation, and even jail terms.
Add them to your policy
Most insurance companies in Napa, CA allow policyholders to add their children into their policy. It’s typically less expensive to add your teen to your own policy than buying separate coverage. Remember, young or new drivers pay higher premiums than other drivers. However, there are serious consequences associated with this practice. If your teen is not a good driver, they can raise your premiums, but the good part is that you can always remove them.
Buy more liability coverage
You might want to focus on liability coverage whether your teen is an experienced driver or not. Apart from the required minimum, you can add the coverage to a reasonable limit to protect yourself and your teen from financial losses in case they cause an accident.
Experience the peace of mind you need whenever your teen hits the Napa, CA roads. At Wine Valley Insurance services, we are all about caring for what matters to you most. Call us to get a customized auto insurance policy for your teen.