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Get DirectionsAdding a teenager to your auto insurance policy can feel like a big decision. It’s exciting when your child gets their license, but it also comes with a new set of responsibilities. At Insurance Center of Green Valley in Green Valley, AZ, we help parents understand the pros and cons of keeping their teen on the family policy versus setting up a policy for them.
Why Adding Them to Your Policy Often Makes Sense
In most cases, it’s more affordable to add your teenager to your existing policy. Insurance companies typically offer better rates for multi-car policies, and your established driving history can help offset the higher risk that comes with a new driver. It also keeps things simple—one policy, one bill, and everyone’s covered.
When a Separate Policy Might Work Better
There are some situations where it might make sense for your teen to have their own policy. If they’re driving a vehicle that’s titled in their name or if they live at a different address, a separate policy could be required. In rare cases, depending on your driving record or claims history, your own rates could increase significantly by adding a teen. That’s when it’s worth comparing both options.
It’s All About Finding the Right Fit
Every family’s situation is different, and there’s no one-size-fits-all answer. What matters most is making sure your teen is adequately covered and that you’re not paying more than you need to.
If you’re not sure which route to take, the team at Insurance Center of Green Valley in Green Valley, AZ, is here to walk you through the options. We’ll help you make the right choice for your family and your budget.