My teenager just started driving. Should I add him to my car insurance policy?
You've probably heard that "car insurance follows the car, not the driver." This usually means that if you let someone drive your insured car, they'll be covered automatically. The thing is, your auto insurance policy only includes
regular drivers. If you know your teen will be driving your car on a regular basis (even if it isn't every day), you need to put him or her on your policy.
Keep in mind that teen drivers have more accidents than drivers of any other age group. So while adding your teen to your auto insurance policy will probably make your premiums go up, it's best to make sure he or she is covered. (And if you're divorced, and your child will be driving both your car and your ex's, it's best to add him or her to both insurance policies.)
When adding a teen driver to your policy, be sure to look for additional features that could protect your current level of insurance premiums. For example, Allstate offers teen- and family-friendly programs like Accident Forgiveness, New Car Replacement, the Safe Driving BonusSM, and a Good Student Discount.