When a teen learns to drive, they need as much protection as possible, including insurance. In this post, we discuss if you need to add a teen driver in your household to your auto insurance policy and offer some useful tips about auto insurance.
Do I Need To Add a Teen Driver to My Auto Insurance Policy?
The answer is simple: if there’s a teenage driver in your household you need to add them to your auto insurance policy.
You can also buy a separate policy for a teen driver, but usually the most affordable option is to add them to your policy.
As to how to go about adding a teen driver to your policy, check with your insurance agent. They can also give you tips on how to get discounts. Some strategies may include enrolling the teen driver into a safety course or getting a car with a good safety rating.
Note that if a teen driver has a learner’s permit, you are not required by law to have insurance for them. However, you should let your insurance company know that a teen in your household is learning to drive in your car.
What Are the Auto Insurance Requirements in Texas?
All states have specific requirements when it comes to auto insurance.
In the case of the Lone Star State, Texas law requires drivers to carry 30/60/25 coverage. This means having at least $30,000 of coverage for injuries you may cause to other people up to a total of $60,000 and $25,000 of coverage for property damage.
We strongly encourage you to purchase insurance with higher limits than those required by law. By having more insurance than the minimum required by law, you and your family’s finances will be better protected in the event of an accident that involves multiple vehicles/people.
To learn more about auto insurance, check out our previous posts, “What Is a Declarations Page in Auto Insurance?” and “Auto Insurance: Actual Cash Value vs Replacement Cost.”
BZ Bee Insurance: Dependable Auto Insurance
Looking for high-quality auto insurance in Houston, TX? At BZ Bee, we understand our clients’ needs and go out of our way to help you find coverage that meets your needs.To get a free quote, just contact us by email (ayalamariaeugenia@yahoo.com) or telephone (832-729-8114), or fill out the contact form on this website.
