When you have a teenage driver in Bourbonnais, IL, life can be stressful. You want to make sure that they are sufficiently protected each time they get behind the wheel of your car, even if they only have a permit. This is why it’s important to explore auto insurance policies. At George Ryan Jr. Insurance Group Inc, we can help you with all of the important details.
When to Add Your Teen
There’s a difference between adding a teenage driver to your policy versus an adult. Teens are notoriously getting involved in accidents, so they’re considered high risk. You won’t want to add your teen onto your policy until they are officially licensed. They don’t have to go onto your policy when they have a permit.
The older they are when they become licensed, the more affordable it can be for you. Often, 18-year-old drivers will be cheaper to insure than 16-year-old drivers. Good students may also qualify for insurance discounts.
Requirements by State
It’s important to understand the mandatory insurance requirements in Illinois. When you have a licensed driver living in your home, they need to have insurance. They can be on your policy or on one of their own. Most often, it’s cheaper for you to add them to your own auto policy.
If you don’t add them and they don’t get a policy of their own, they wouldn’t be covered in the event of an accident. This can lead to a significant amount of debt because of being liable for all damages and injuries that they cause.
By working with an insurance agent, you can determine when to add a teenage driver and what kind of coverage should be included.
Find out more about your auto insurance by calling George Ryan Jr. Insurance Group Inc. Our agents can help you to find a policy that will accommodate all of the drivers in your household in Bourbonnais, IL.