04/16/2026
Think adding a teen to your insurance has to break the bank? 💸 Think again!
I’m debunking the biggest myths and sharing 4 easy ways to save.
🚫 4 Teen Driving Myths (The Debunk)
Myth 1: Don’t add your teen to save money.
Fact: If a regular driver in your home isn’t disclosed, your insurance company can deny your claim after an accident. Always notify your agent once they are licensed.
Myth 2: Separate policies are cheaper.
Fact: Individual policies for teens are the most expensive option. Keeping them on your policy allows them to share your multi-car, loyalty, and bundling discounts.
Myth 3: You’re not liable if they have their own policy.
Fact: As long as they are your legal dependents (under age 26), you are generally responsible for them. Separate paper doesn’t separate your liability.
Myth 4: You must add them as soon as they get a permit.
Fact: You don’t pay extra for a learner. We don’t rate or add them to the policy until they have a full driver’s license.
💰 4 Tips to Save Money
1. The “Good Student” Reward
If your teen is a full-time student under 25 with a 3.0 GPA or higher, you qualify for a significant discount. Good grades pay off!
2. The “Student Away” Discount
Is your teen heading to college? If their school is 60+ miles from home and they leave the car behind, your premium could drop while they’re away.
3. Choose the Car Wisely
Avoid brand-new cars and EVs, which are expensive to repair. The sweet spot for insurance is a used car (7+ years old) or a hybrid.
4. Safety First (Literally)
Have your teen complete our Inexperienced Driver Course online. These safety modules provide an immediate discount once completed.
Whether it’s the 3.0 GPA rule or choosing the right car, I’ve got you covered. DM me to see which discounts your teen qualifies for!
