River Valley Insurance Agency Inc Blog
Having a teenager driver around the house can be nerve-wracking for parents or guardians. According to surveys, teenage drivers are more prone to get into accidents compared to their adult counterparts. This is why car insurance is important, however, you can also make sure that your child is protected through insurance coverage.
If you’re a parent whose teenager is driving for the first time, it’s best to do your research and find out if you’re doing the right thing. Here are tips that you need to know if you have teenager drivers in the home.
Get Enough Coverage
To give your child the best car insurance, make sure that you have the best coverage for them on your policy. First, collision coverage is important to help you pay for damages that your vehicle incurs or if it gets hit by another vehicle.
Next, the Underinsured or Uninsured motorist insurance coverage protects your child and your vehicle from damages by another driver that does not carry liability insurance. It also protects you from damages acquired from an underinsured motorist whose coverage is too low for the required expenses.
Lastly, the coverage for rental car reimbursements will shoulder expenses for rental car services of other types of transportation methods. This is important for vehicles that gets into an accident and needs to be repaired for a specific amount of time.
Is it Affordable?
Protecting your teenage drivers does not mean that you have to break the bank. There are ways to get affordable coverage while having the peace of mind that your child is in good hands. For example, most insurance companies offer a Good Student Discount where your insurance rates are discounted if your child has a good GPA. Studies show that teenagers with a higher GPA turn out to be more responsible drivers.
You can also ask your insurance agent about the Accident Forgiveness feature that makes sure your teenager’s policy rates won’t shoot up after filing their first insurance claim. This saves you a lot of money since most teenage drivers are most likely to get into their first road accident within the first year. Road assistance is also important for young drivers to help them with minor accidents such as a flat tire, engine problems, empty gas tank and so much more.
Remember, no amount of money can define your concern for your children. Getting a car insurance policy that prioritizes their protection is a great way to show them how much you care.
At River Valley Agency, we aim to make our client's life easier with policies that are tailored to their needs. You can get more information about our products and services by calling our agency at (616) 301-9500. Get your free quote today by CLICKING HERE.