Adding a Teenage Driver to Your Car Insurance in New England (Massachusetts, New Hampshire, Rhode Island, Connecticut, and Maine)
Adding your teen to your car insurance policy can be an expensive ordeal. If you don’t take the proper steps to find an affordable car insurance policy. If you own a home and have more than 1 car on your car insurance policy that and carry $100,000 per person and $300,000 per accident for optional bodily injury you may have “Car Insurance Over $5,000 a year” if you have the wrong agent or the wrong insurance company.
If you have a teen driver going onto a policy, we can help you save hundreds or thousands of dollars each year by finding you a company like Progressive (who is best for pricing for young drivers).
How do I Save on Car Insurance for Teens?
Find an insurance agent at Premier Shield who’s an expert by with adding young drivers to insurance policies and helping you save money. Below are the steps to take to help you save money on car insurance if you’re adding a teen to your policy. Below are 7 Tips for Parents Adding Young Kids to their Massachusetts personal auto policy.
Make sure they don’t have any speeding tickets, traffic violations, or accidents. If you think the car insurance expensive now, just wait till one of those surchargable events happens.
Let your kid no that drinking and driving, or driving high will get them 9 SDIP points if they cause an accident. That will most certainly make their car insurance so expensive (probably more than they can afford for car insurance) that they won’t be able to drive anymore.
Keep the volume down on the radio to prevent distractions. It only takes 1 second to cause a major accident.
Is my child covered under my car insurance?
Typically, you are not rated for your teen driver till they get their driver’s license. All houshold member would be required to be “listed” or “excluded” on the policy depending on the insurance carrier.
Adding Your Teen to Your Car Insurance Policy
If you’re adding a teen driver this may be the most “complex insurance situation” you experience in your life, especially if you own a home, have nice or newer vehicles, and carry “good coverage”. It’s important to work with an indepdent insurance agent to help you find the best possible price for your combined homeowners and auto insurance premiums.
The cost for adding a teen driver can be upwards of $5,000 depending on the situation. If you have “twins” sons or daughter you may even have to bite off even higher annual premiums. We can help you save thousands of dollars if it is that high most of the time! Give us a call1-774-847-7746.
Which Young Drivers Pay the Most Money for Car Insurance in Massachusetts
Young drivers under the age of 21 who have no prior insurance, live in a major city like Worcester, Springfield, Framingham, Malden, or Boston (Dorchester or Mattapan) who buy brand new cars typically pay the most. Especially if they have 1 or more point on their record. Typically these young drivers pay between $3700 and $5400 a year on average.
Normally it’s best for young drivers and newly licensed operators to buy a car in cash so they don’t have to carry full coverage this can help them save over 50% off their car insurance rates in Massachusetts.
How much does your insurance go up after adding a teenager?
Adding a teen driver to your policy on average will increase your policy by around $2,085.60 in New England. (This average includes all liability coverage levels.) Compare that to an average cost increase of a teen policy of around $7,300 — that means you’ll pay 350% more money by having the teenage get his or her own car insurance policy.
How can I lower my teenage car insurance? 3 Simple Steps to Save Money on Youthful Operator Car Insurance in New England
Have your teen enroll and pass a driver’s ed course.
New England Insurance Expensive Companies for Young Drivers
We already know that a policy through “Progressive Insurance and Premier Shield Insurance” will be the best fit for you (families with young or youthful operators). If you have one of the largest insurance companiese in Massachusetts and you have a young driver, we can beat your price and save you up to 37% of your total annual premium “with a young driver”! If you are a homeowner and bundle home with us we can save you money there as well.
Give us a call today and get a “family policy” for your auto insurance that will work for your budget.