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Parent to Parent: Ask questions when insuring teen drivers
Parent to Parent

Parent to Parent: Ask questions when insuring teen drivers

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Q • We’ve noticed that some insurance companies are giving customers a break in the price of car insurance now that people aren’t driving as much. Is this something we could consider for our two teenage kids? They are driving less but share one car. I’m just not sure if we should consider this in our situation. What are other parents doing with teenage drivers?

From a reader • Start by asking your current insurance company questions about this very topic. Make phone calls and ask other companies the same questions. We found out that not only would a new company offer better rates but that they were much cheaper for everyone in our family. — Justina Wilson in San Antonio, Texas

From Jodie Lynn • I agree with the reader above. A good place to start is with your own insurance representative and then research other ones online.

Even doing so, as we all know, things researched online may still leave us with questions. It’s best that you call the other insurance companies that you are considering because there will be certain questions that need to be asked for your specific situation.

There are many aspects that can affect insurance coverage. For example, some will give a better price if your teenagers keep their grades high as well as taking approved safe driving courses that they recommend.

However, since they are teenagers and share a car, even though they may not be driving as frequently, these might also impact the premium.

For instance, if one of your kids has ever had an accident or gotten a ticket, especially for speeding or from an accident where they were at fault, these may very well come into play in the price of coverage.

Nationwide Insurance is a well-known company that offers an accident forgiveness program to all drivers including teenagers. You might need to check if your state approves those types of policies.

Here’s a great article from Forbes to check out for more information on this type of policy. See forbes.com/advisor/car-insurance/accident-forgiveness/ as it explains it quite well for various states and scenarios.

Get as much info as possible and compare your notes to get the best insurance for you and your family members before making a final decision.

Can you help?I have to say that this virtual school class system is basically not working for our children. All three of them are behind as well as confused. Both my husband and I have to work and now, on top of everything else, we are going to have to hire a tutor. My question is how is the best way to do this? What questions do we ask them to try and make a good match for our kids? This will be a whole new experience for us, and I don’t want to make a costly mistake.

Jodie Lynn is an award-winning parenting columnist, author of five books and mother to three children. She and her family live in Wildwood.

Jodie Lynn is an award-winning parenting columnist, author of five books and mother to three children. She and her family live in Wildwood.

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