Connecticut Teen Driver Insurance

Getting a driver’s license is a rite of passage for many teens, and with it comes the need for teen driver insurance. Their sixteenth birthday marks a milestone—a transition to independence. Many young people handle this shift quite well. They know motor vehicle laws, because they just spent time studying them for their test. They understand the importance of paying attention to potential hazards, because their instructor—or mom or dad—stressed and re-stressed this during practice driving. And they’re aware of dangers of not only drinking and driving, but texting and driving, too, because these messages are prevalent everywhere they turn.

 

At the same time, they’re kids. Kids forget. They get distracted by passengers—or phones or pretty much anything else you could imagine. And sometimes they feel invincible. While these factors are understandable, they have another effect: they lead to higher accident rates, and that leads to higher insurance costs.

Teen Driving Insurance Costs

Adding a teen driver to your Connecticut insurance policy can boost your rates by nearly 80%. Girls have less of an impact, boosting premiums by around two-thirds. It doesn’t take a math whiz to quickly figure out that boys have a more substantial impact. Yes, adding a 16-year-old male driver can increase a Connecticut car insurance policy by as much as 92%.

Related Article: 8 Tips to Keep Your Teen Safe Behind the Wheel

All insurance carriers charge higher premiums for teenage drivers, because they’re less experienced and often more accident-prone than adults. A select number of insurance companies have special programs that offer better rates than others for teen drivers. That’s important, because you want to make sure you don’t skimp on coverage at a time when you may need it most. You want great coverage from a company that understands teen drivers and that charges a fair price to cover them—and you—fully.

 

What you don’t want to do is lower your limits when a teen driver is added to the policy. Doing so could lead you to lose your home or even your retirement savings if your inexperienced driver is involved in a high-dollar accident. That’s why it makes sense to work with a local, professional independent insurance agent that specializes in families with teen drivers.

Teen Driver Insurance Policies For The Whole Family

At Paradiso Insurance, we’ve developed an auto insurance plan specifically tailored for such families. We understand the needs of teenage drivers—it wasn’t ALL that long ago we were teen drivers ourselves—and the worries they bring parents. Teen driver policy typically contains the coverage in a regular auto policy, such as collision, comprehensive, liability, etc.

Related Article: Ways to Prepare Your Teen Driver For Winter Weather

However, our comprehensive approach to protecting teen drivers can offer you much more. For instance, as part of Paradiso Insurance’s teen driver program, we can help you install a GPS device in your teenager’s car that will alert you if they speed and will allow you to place geographic and time boundaries on their driving privileges. We also can provide discounts for limited-use vehicles, anti-theft devices, a good student record and a good driving record.

Teen Driver Insurance To Keep Them Safe

As a parent or guardian, your #1 priority is keeping your child safe as he or she gains driving experience. As a local, independent insurance agency—your neighbor, who shares the road with your teen driver—our #1 priority is making sure you and your loved ones are properly protected. Contact us today for a free teen driver insurance quote and more information!

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