Tower Insurance Associates Inc
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Insuring a teen driver can be extremely expensive. Depending on the number of years licensed and the type of vehicle driven, adding a teen driver can increase your California auto insurance rates substantially. With the cost of insuring young drivers so high, it’s surprising that parents are even willing to license their teens…

Why is Young Driver Insurance So High?

The high cost of insurance on a young driver is due to one simple fact: teen drivers pose a higher risk of loss. Insurance premiums, whether for life, health or automobile, are based on risk. The risk of accidents for young, inexperienced drivers is four times higher than the risks associated with adult drivers.  The cost of individual claims from teenage-related accidents is also higher than with adult drivers. As such, insurance companies charge a higher premium to offset potential losses.

Will My Auto Premiums Increase When My Teen Gets a Permit?

When your teen receives their provisional instruction permit, he or she can be added to your policy for no additional charge until he/she turns 16. Your insurance company will add the driver to your policy on their 16th birthday and at that time you can choose to pay the additional premium or exclude the driver from your policy.

Will My Teen Qualify for a Good Student Discount?

Drivers between the ages of 16 and 25 who are attending school full-time (enrolled in a minimum of 12 units) and have good grades (3.0 average or better) are eligible for the good-student discount. California auto insurance companies view good students as responsible people, and responsible people are less likely to engage in reckless driving and other risky behaviors behind the wheel. To receive the discount, provide your Tower Insurance agent with a copy of your student’s most recent grades.

Posted 2:08 PM

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4244 Overland Ave | Culver City, CA 90230 | Ph: 310.837.6101 | Fx: 310.837.7559 |

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