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Should I Add My Teen to My Auto Insurance or Get a Separate Policy?

Family With Teens

Adding to Parents’ Insurance

Benefits

Savings

Cost Savings

Adding a teen driver to an existing policy is usually cheaper than having a separate policy for the teen.

Discounts

Discounts

Families can often benefit from various insurance discounts for teens, such as multi-car discounts, good student discounts, and driver’s education discounts.

Coverage

Coverage Continuity

Staying on the parents’ policy can help teens build a continuous insurance history, which can be beneficial later on.

Requirements

Household

Household Membership

Typically, the teen driver must live in the same household as the policyholder.

 Car

Primary Vehicle Use

The insurance company may need to know which vehicle the teen will primarily drive.

Separate Policy for the Teen

Benefits

Independence

Having a separate policy can give teens and parents more financial independence and responsibility.

Tailored Coverage

The policy can be tailored specifically to the teen’s needs and driving habits.

Drawbacks

Higher Cost

A separate policy for a teen driver is usually more expensive due to the higher risk associated with young drivers.

Limited Discounts

Teens might not have access to the same level of discounts available on a family policy.

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