Business Auto

Smiling girl with car keysSitting down and talking to your teen driver about anything can be a challenge. When it comes to car insurance, he or she may think they already know it all. Yet, as a parent, you know the value of auto insurance when used properly. It's important to pass on this experience and knowledge to your children. As you get ready to hand over the keys, discuss these factors with your teens.

1. What is Auto Insurance?

Explain that car insurance is a type of policy that can help the driver overcome losses suffered due to accidents based on who causes them and what happens.

2. When Should You Call Your Agent?

Auto insurance agents should not be viewed as the enemy, but rather a helpful professional when an accident occurs. Explain to your child that he or she should reach out to an agent after an accident occurs, after contacting the police to report it.

3. Talk about Deductibles

Deductibles are the amount of money the policyholder must pay before the insurance provides the result. For many teen drivers, it is important to keep this deductible as low as possible to ensure it is affordable and easy to pay.

4. How to Avoid Claims

It's important that teens realize that filing too many claims will lead to more expensive insurance. To help teach this, talk about ways to avoid such claims:

  • Follow all traffic laws and avoid speeding.
  • Don't drive too close to those in front of you.
  • Be sure your vehicle is operating at its best condition.

5. How to Save Money on Auto Insurance?

Finally, talk to your child about reducing claims as well as tips for saving money on auto insurance. For example, if he or she maintains good grades that may help them reduce their car insurance premium costs.

Teen drivers worry parents. Yet, when you take the time to talk to your son or daughter about auto insurance, how to use it, and why it is valuable, you can trust them to make better decisions on the road.

We’ve got your teen covered. Call Peachstate Insurance at (877) 997-2478 for more information on Smyrna auto insurance.

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