Q: We will need to get a car insurance for a teenage girl shortly. We already have two drivers on our policy and have cheap rates with our current insurance provider. Will adding car insurance for a teenage girl to our policy increase our rates?
A: When obtaining car insurance for teenage girl or boy, an increase in rates to the family’s current auto insurance is always a concern. However, because car insurance policies can vary from one individual to the next, and each auto insurance company can calculate rates differently, it is difficult to guess at how much of a rate increase adding a teenage driver to a policy will cause without knowing specific details about the drivers and their policy.
Typically, car insurance rates will increase with the addition of a young or teenage driver. Based on the fact that teenage drivers are less experienced drivers, statically they are a higher risk for a claim and many car insurance providers will adjust the rates accordingly to compensate. If you need car insurance for a teenage girl, there may be a few discounts you can take advantage of to help keep the rates as low as possible. Some auto insurance companies will provide discounts to young drivers who take a drivers safety course or maintain good grades at school. The best way to know for certain how adding a teenage girl to your car insurance policy will affect the current rates, is to contact your insurance agent or representative directly.