Insuring a Teen Driver

It’s crucial to ensure your teen driver has the appropriate insurance coverage. At First Community Insurance & Annuity Center in Bourbonnais, Illinois, we understand your concerns and are committed to helping you through this process. Contact us today for a personalized auto insurance quote for your teen driver.

Why Insuring a Teen Driver Is Different

Teen drivers are statistically more likely to be involved in accidents than experienced drivers. This increased risk can translate into higher insurance premiums. However, understanding your options and working with a trusted insurance provider like First Community Insurance & Annuity Center can help you find the most suitable and cost-effective coverage.

Coverage Options for Teen Drivers

Depending on your needs, your agent may recommend the following insurance coverage for your teen driver:

• Liability insurance may help cover bodily injury and property damage caused by the teen driver to others up to the policy’s dollar limits. Illinois drivers must maintain minimum liability coverage, but your agent may recommend purchasing more than the state requires.
• Collision insurance may help pay for damage to your vehicle resulting from a collision, regardless of fault.
• Comprehensive insurance may help protect against noncollision-related damages such as theft, vandalism or natural disasters.
• Uninsured/underinsured motorist coverage may help provide financial protection against drivers with inadequate or no insurance.
• Medical payments (MedPay) may help pay for accident-related medical costs for your teen and their passengers, regardless of fault.

Tips for Keeping Auto Insurance Costs Down

Your agent may recommend the following to help keep the costs of insuring your teen driver under control:

• Safe driving courses—Teens who take an approved safe driving course may get discounts on premiums.
• Good student discounts—Some insurers offer discounts for students who maintain good grades.
• Consider the vehicle—The type of car your teen drives can influence the cost. Safer, more modest vehicles might lead to lower premiums. If you finance or lease the car your teen drives, your lienholder may require full coverage insurance, which can be significantly more expensive than a liability-only policy.
• Monitor driving behavior—Some insurance companies offer monitoring devices that track driving habits, potentially lowering costs.

Contact Us

Insuring a teen driver can be complex and sometimes costly, but partnering with a knowledgeable and caring insurance provider like First Community Insurance & Annuity Center can help. Contact us today to get car insurance for your teen driver.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.