{"id":5707,"date":"2019-09-17T06:15:53","date_gmt":"2019-09-17T11:15:53","guid":{"rendered":"http:\/\/www.schaeferautobody.com\/?p=5707"},"modified":"2022-08-18T15:32:36","modified_gmt":"2022-08-18T20:32:36","slug":"do-i-have-to-add-my-child-to-my-car-insurance","status":"publish","type":"post","link":"https:\/\/www.schaeferautobody.com\/do-i-have-to-add-my-child-to-my-car-insurance\/","title":{"rendered":"Do I Have to Add My Child to My Car Insurance?"},"content":{"rendered":"\n
When your child first starts driving, it can be a momentous milestone not only for them, but for you, too. Not surprisingly, your child taking the wheel unsupervised for the first time can be equal parts exciting and nerve wracking (OK, maybe slightly more of the latter).<\/p>\n\n\n\n
One question a lot of parents of new drivers might be wondering is how to properly insure their children. Or, more specifically, you might be thinking: Do I have to add my child to my car insurance?<\/p>\n\n\n\n
The answer is, for the most part, yes. It is very common (and, in most states, including Missouri and Illinois, required) to add your teen driver to your own car insurance policy. Keep in mind, this regulation only applies to licensed teen drivers. If your child is still driving under supervision with a learner\u2019s permit, they will be covered under your existing policy.<\/p>\n\n\n\n
As new drivers tend to be more prone to accidents than seasoned motorists would be, adding a teen driver to your policy can be pretty expensive. In general, prices are worse for adding a teen boy than a teen girl, as teen boys are more statistically likely to be involved in accidents, which translates to higher insurance costs.<\/p>\n\n\n\n
With that being said, there are opportunities for you to mitigate these higher costs through applicable discounts if your son or daughter qualifies. These discounts are numerous, in fact\u2014if you know how to find them. Students with exemplary grades, for example, may qualify for good student discounts. Your insurance agent should be able to outline all of the discounts for which your family might qualify.<\/p>\n\n\n\n