The moment you have a child who becomes a teenager and of driving age, you will want to add them to your policy in Florida. This will allow them to get behind the wheel, and be covered in the event of an accident.

You are probably aware of the fact that adding a teen to your policy is going to increase your premium. While this is true, there are ways to keep your policy affordable.

HAVE THE TEEN TAKE A DRIVING COURSE

Not all schools offer driving courses. This means that you may need to look at having your teen attend a driving course that is offered within your area. The benefit to a driving course is that it will teach not only the driving laws in Florida, but also provide them with behind the wheel experience.

Many driving schools will have obstacle courses to test students. This will help teens to understand the importance of defensive driving. They will learn how to navigate more effectively and gain more confidence behind the wheel.

At the end of a driving course, students are given a certificate. This certificate can be scanned and sent to the insurance company. Many insurance companies will offer a discount on the auto policy if a teen has undergone such a course.

COMPARE POLICIES

Not all insurance companies calculate the cost of a premium in the same way. If you are a safe driver with a safe car, adding a teen to your policy may not have a huge impact on the cost of your premium.

This means you will want to get quotes from several different insurance companies. Even if you already have a policy in place, it may be advantageous to switch companies if it means getting a significantly lower premium. Take the time to compare apples to apples and see which company is going to offer you the best price.

WORK WITH AN INDEPENDENT INSURANCE AGENT

An independent insurance agent is a great source when finding auto policy for teens. You will be able to learn more about how you can get an affordable policy, what insurance companies offer the best rates, and get quotes from some of the top companies. You will have someone who will guide you through the whole process and do a lot of the work for you. This will make it easier for you to get a policy with confidence knowing that you are getting a good deal.

Once you have a teen who is of driving age in the household, you will want to add them to the policy. If they get involved in an accident while they have a permit or once they have a license, they need to be a part of the policy. It doesn’t have to cost a lot of money, and help is available.