Adding Teenage Drivers to Nonstandard Auto Insurance Policies

Adding a teenage driver to your auto insurance policy can be a significant decision, especially when dealing with high-risk or nonstandard policies. Putting your teen on your nonstandard auto insurance policy requires careful consideration to ensure adequate coverage and manage costs effectively. You can navigate this process confidently by understanding the unique challenges and risks associated with these policies.

Understanding Nonstandard Policies 

Nonstandard auto insurance policies typically cater to drivers with less-than-ideal driving records or specific risk factors. They are designed for drivers who don’t qualify for the least expensive car insurance and may have the following:

• Poor driving records, such as traffic violations, accidents or DUI convictions

• Limited driving experience, including teenage drivers who are new to driving

• High-risk factors, such as being required to file SR-22

• Previous lapse in auto insurance

Adding Teenage Drivers

Your agent can help determine how much coverage may be appropriate for your teen driver by evaluating the following:

• Current insurance coverage—Assess your car insurance coverage and determine how adding a teenage driver will impact your policy. Consider liability limits, comprehensive and collision coverage and any additional coverage options necessary to protect against potential risks.

• Insurer options—Not all insurance companies handle nonstandard policies the same way. Our company can help you get appropriate coverage at favorable rates.

• Potential discounts—Encourage your teenage driver to complete driver education courses and defensive driving classes. Some insurers offer discounts for completing these programs, which can help offset higher premiums.

• Named driver exclusions—In some cases, excluding the teenage driver from your policy may be an option to reduce premiums if they have a separate policy in their name.

• Usage-based insurance (UBI) options—Many insurers offer UBI programs that track driving behavior through telematics devices or mobile apps. Safe driving habits can lead to discounts or lower premiums over time.

As your teen gains experience and maintains a clean driving record, our agents can revisit your policy annually to see if there are opportunities to lower premiums or adjust coverage.

Contact Us

Contact Bosway Auto Insurance Group in Avondale, Arizona, to learn more about adding teenage drivers to a nonstandard auto insurance policy.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.