Adding a Teen Driver to Your Auto Insurance Policy: What You Need to Know

LAS VEGAS - Sept. 13, 2022 - PRLog -- The day has finally come; your teen has gotten their driver's license. Before letting them behind the wheel, it's important to ensure that they are covered by an auto insurance policy. Unfortunately, there is a lot of confusion surrounding insurance for teens, and a lot of parents are concerned as to how adding their teen driver will affect their monthly premiums.

Your Auto Insurance Rates Will Go Up, So Plan Ahead
In the auto insurance industry, the entire pricing platform is based around risks and statistics. Using sophisticated algorithms, your insurer has evaluated how likely you are to file an insurance claim. Drivers who are statistically more likely to file a claim, such as those who have a less-than-perfect driving record, or who own a car that is more likely to be stolen, will pay a higher insurance premium. Experienced married drivers with clean driving records and good credit living in neighborhoods with fewer accidents driving vehicles with high safety ratings will generally enjoy the lowest premiums. It's just math.

Statistically speaking, young drivers are the riskiest group on the road. Studies have shown that they're more likely to exhibit dangerous behavior like speeding or texting while behind the wheel. Even the most responsible young drivers often simply lack the experience necessary to recognize dangerous situations and to make a swift judgment call to avoid causing an accident. With the combination of being more likely to exhibit risky behavior and a lack of experience, it's no surprise that teen drivers aren't cheap to insure.

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Nevada Insurance Enrollment
4260 W. Craig Road suite #150-A
North Las Vegas, NV 89032
(702) 898-0554
Website: NevadaInsuranceEnrollment.com