☰ ˟
Dorsey Insurance Agency
Claremore (918) 341-2056 | (918) 665-7400
  • Home
  • Get A Quote
    • Get a Quote
    • Auto Quote Form (short)
    • Business Owners (BOP) Quote Form
    • Commercial Auto Insurance Quote
    • Farm Quote Request
    • General Liability Quote Form
    • Homeowners Insurance Quote
    • Life Insurance Quote
    • Motorcycle Insurance Quote
    • Recreational Vehicle Insurance Quote
    • Renters Insurance Quote
  • What We Offer
    • What We Offer
    • Auto
    • Business & Commercial
    • Farm
    • Homeowners
    • Life
    • Motorcycle
    • Recreational
    • Renters
  • Claims
  • Resources
    • Blog
    • Refer a Friend
    • Important Links
    • Insurance Glossary
    • Frequently Asked Questions
  • About Us
    • About Dorsey Insurance
    • Our Locations
    • Customer Testimonials
    • Privacy Policy
  • Contact
Logo
Insurance to meet your needs.
CarAuto HouseHome BriefcaseBusiness BarnFarm RVRV
Home > Blog > How to Add a Teen's Car to Your Insurance
FRIDAY, MARCH 31, 2023

How to Add a Teen's Car to Your Insurance

You've been playing taxi driver for your high schooler for a few years, and now that she's gotten her driver's license, she's borrowing your car, leaving you stranded. Maybe it's time to consider getting her a car of her own, but what impact will that have on your car insurance?

It's a daunting prospect, especially since the average annual cost of car insurance was $907 in 2014, according to data site ValuePenguin1. And insuring teens can be vastly more expensive — it costs, on average, $6,456 a year to insure an 18-year-old2, although your teen may get a different rate. (And if you're insuring your teen on your policy, you've already taken something of a hit — so you're just taking on another car and designating your teen as the driver.) Here are some things to consider:

  • What kind of car would you buy? While it’s a subjective decision with many variables to consider, you may want to consider the impact your choice will have on your car insurance rates. You may pay more if you buy a car that's costly to fix if it's in an accident, such as a hybrid. But if you decide you want to go the hybrid car route, be sure to explore whether there is a hybrid discount available. You will also want to check with your insurer before you purchase to make sure the car you're considering won't cost an arm and a leg to insure because of its reputation as being expensive to repair.
  • How would it be used? If the additional car would be primarily for a short school commute or for casual use, make sure your insurer knows this. You may get a discount for a car that isn't piling on the miles or used in a lengthy work commute. 
  • Have you bundled your insurance policies? Bundling means buying more than one kind of insurance from the same company. So, for instance, where available, you could purchase both your home and your auto coverage from the same insurer — and generally that company will give you a discount on one or both policies. If you're adding a third car and don't have any other policies with your car insurer, it's worth pricing out the option. 
  • Have you gotten other quotes? Generally, having three cars insured with the same company will cost less than splitting them up, but with a teen driver, that's not a given. If adding the third vehicle with your teen as the primary driver is too pricey, review your coverage to make sure it is the best value for your coverage.   
  • Would your teen take a class? Depending on your insurance, you may get a slight discount if your new driver participates in a driver training or defensive driving course, which he or she may be able to do online, depending on your state. In fact, you may get even more of a discount if all of the drivers in the house take the defensive driving course. Ask your insurer what that might do for you.
  • Good student discounts are out there, too. If your teen is earning good grades in school, he or she also may qualify for a discount for that as well.

With so much competition among insurance providers, your family can benefit from inquiring about all of these possible options to secure the best car insurance policy for your budget and your protection. And think about the new freedom you’ll enjoy once your teen isn’t borrowing your car anymore.

Posted 1:21 PM

Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018

  • insurance(69)
  • auto insurance(32)
  • oklahoma(32)
  • home insurance(25)
  • claremore(19)
  • coverage(18)
  • homeowners(12)
  • tulsa(12)
  • auto(11)
  • homeowners insurance(9)
  • car(9)
  • policy(9)
  • oklahoma city(8)
  • car insurance(8)
  • accident(6)
  • driving(4)
  • tips(4)
  • damage(3)
  • claims(3)
  • driving safety(3)
  • liability(3)
  • saving money(2)
  • life insurance(2)
  • umbrella insurance(2)
  • roof(2)
  • discounts(2)
  • car accident(2)
  • renters insurance(2)
  • teen(2)
  • collision coverage(2)
  • motorcycle insurance(2)
  • farm insurance(2)
  • home(2)
  • rental car insurance(2)
  • car maintenance(2)
  • property insurance(2)
  • night(2)
  • roadside assistance(1)
  • finances(1)
  • disaster planning(1)
  • defensive(1)
  • home and garden(1)
  • teen drivers(1)
  • comprehensive coverage(1)
  • lower rates(1)
  • first car(1)
  • recreational vehicle(1)
  • declaration pages(1)
  • family(1)
  • driving conditions(1)

View Mobile Version

Check us out


Dorsey Insurance
512 E Will Rogers Blvd
Claremore, OK 74017

Phone: (918) 341-2056
Fax: (918) 341-2627
E: candice@tulsainsuranceonline.com

Fill out the form below to get started with an insurance quote




Connect with us

Facebook Twitter LinkedIn Instagram Yellow Pages

Dorsey Insurance Agency Inc, Auto Insurance, Tulsa, OK

Trusted Choice

Claremore Chamber of Commerce


Angie's List
© Copyright. All rights reserved.
Powered by Insurance Website Builder