You might want to sit down because adding a new young driver is an expensive adventure.

Insurance Institute for Highway Safety reports it is because teen drivers have the highest crash risk of any age group. The problem is worst among 16 year-olds, who have the most limited driving experience and an immaturity that often results in risk-taking behind the wheel. The decisions you make about insurance could have a big impact on your family’s lifestyle for years to come.

Things happen despite your best efforts to prevent unforeseen events. Be prepared before an accident happens.

Preparation begins with making good choices about insurance coverage.

Coverage for your car and your legal Liability

Auto insurance covers damage to vehicles and property in crashes plus injuries to the people involved in the crashes. You should have

• Collision Coverage
• Property Damage Liability Coverage
• Comprehensive Coverage
• Medical Payment Coverage
• Bodily Injury Liability Coverage

Good Student Discount Available

Your new driver might be eligible for our Good Student Discount. The discount will apply if the student is

• Ranked among the upper 20% of this student’s class scholastically
• In a school using letter grades, had a grade average of "B" (If the system of letter grading cannot be averaged, no grade shall be below "B")
• Maintaining a grade average of at least 3 point on a 4 point scale (or its equivalent)
• Included in "Dean’s List" or "Honor Roll" (or other comparable list for scholastic achievement).

Your Budget

Shop wisely when purchasing insurance. Some insurance companies will quote low amounts of coverage which may leave you financially vulnerable. Sure the price looks good but be sure you are fully protected. Always make a true apples-to-apples comparison.

What Parents Can Do

• Restrict passengers
• Supervise practice driving
• Require safety belt use
• Restrict night-time driving
• Establish a teen-parent expectations contract