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If your teenager has recently received a driver's license, it's time to contact your auto insurance agent and add your child to your policy. Mountcastle Insurance, the premier auto, health, business, and homeowners insurance agency in Winston-Salem, NC, offers some tips to help you make the transition in a timely, cost-effective manner. Since its inception, this independent insurance agency has offered clients throughout the Piedmont Triad invaluable advice and quality coverage options when insuring their vehicles.

Suggestions for Adding a Teen to Your Auto Insurance Policy

Be Prepared for Increased Rates

Auto insuranceTeens are notoriously expensive to insure because of their youth and inexperience, so be prepared for a dramatic increase in your premium. However, there are steps you can take to minimize the cost hike. Some of these steps are outlined below.

Consider Separate Policies

You may be tempted to purchase a separate policy for your teen to protect your own policy should they be involved in accidents or moving violations. However, this will likely cost you more than simply adding the new driver to your existing policy.

Ask About Multiple Vehicle Discounts

If your teen has a car of their own, ask your insurance agent about a multiple vehicle discount. Many insurers offer reduced rates if you insure more than one vehicle with the same company.

Ask About Occasional Driver Discounts

If your teen drives only rarely, inquire whether he or she qualifies for an "occasional driver" discount. Many insurers offer a rate reduction for a driver who only operates a vehicle from time to time.

Ask About Good Student Discounts

Insurers have noticed a distinct correlation between high academic scores and responsible driving records. If your teen has a history of high marks, ask your auto insurance agent if your family qualifies for a good student discount—a rate reduction some insurers offer to teenagers who earn good grades.

With more than 125 years in business, Mountcastle Insurance is the most trusted and experienced seller of auto, business, health, and homeowners insurance in Winston-Salem, NC. They can help you make the right choice when it's time to add your teen to your car insurance policy. Visit them online for contact details, or call (336) 777-8500 to discuss your options with a friendly, knowledgeable professional.

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