For teens, the days of being able to drive a car have finally arrived. They are thrilled and scared at the same time. They've already decided what kind of car they want, but have given very little to no thought at all of the car insurance they'll need. 21st Century Auto Insurance can offer the coverage a teen driver needs.
Are teens allowed to purchase car insurance?
Teen drivers under the age of 18 are not permitted to purchase their own car insurance so they are placed on a parent's policy. The parents of teen drivers who have 21st Century Car Insurance can add their teens to their policy and the teens are given policies in their own names. This limits the risk of parents having their auto insurance canceled if their teen causes an accident.
Why must teens have car insurance?
Every driver must be insured according to state laws. These laws differ from state to state but all states require at least the minimum auto insurance in order to obtain a driver's license and purchase car tags.
21st Century Car Insurance protects the teen and the family from having to repair or replace a vehicle out-of-pocket. Other drivers must also be protected in case of an accident. If there is a car loan the creditor will insist the car is covered by an insurance policy to protect their interest in the vehicle.
How much coverage do teen drivers need?
Each state determines the minimum amount of coverage allowed; however, this may not be enough to fully protect the family from financial disaster. If you want to save on monthly premium payments 21st Century Auto Insurance will allow you to select the highest deductible you can afford.
If you have a credit score of 700 or above you may be eligible for a lower rate. You can also save money by driving a car that is cheaper to insure. Teens with high grade point averages are offered lower rates at 21st Century Auto Insurance.
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