When to Add a New Driver to Your Auto Insurance Policy

Tennessee requires all residents who drive a car to have auto liability insurance that meets the state’s minimum requirements. When you have a new driver in your household, it’s essential to understand when and how to add them to your auto insurance policy. This ensures they are properly covered and helps you find the best rate to manage your insurance costs.

Contact Mid-State Insurance Agency in Columbia, Tennessee, to learn more about adding your new driver to your household auto insurance policy.

When to Add a New Driver to Your Auto Insurance Policy

As soon as a new driver in your household obtains their driver’s license, it’s time to add them to your auto insurance policy. Most insurance companies require you to add new drivers within a specific timeframe, usually within 30 days of getting their license or reaching a certain age, such as 16.

Your insurance policy likely requires you to inform the insurance company of any changes in your household, including new drivers. Doing so can help prevent denial of coverage if the new driver is involved in an accident.

Your agent can help determine when to add your new driver to your household auto insurance policy.

How to Get the Best Rate on Auto Insurance for a New Driver

Adding a new driver to your auto insurance policy can increase your insurance premium, as new and inexperienced drivers are considered higher risk. However, there are ways to get the best rate and manage your insurance costs.

If the new driver is a student and maintains good grades, they may be eligible for a good student discount. Encourage them to excel in their studies to qualify for this cost-saving opportunity.

Some insurance companies offer discounts for new drivers who complete approved defensive driving courses. These courses teach valuable driving skills and safety techniques, making the driver less of a risk to insure.

Consider bundling your auto insurance policy with other insurance policies, such as homeowner’s or renter’s insurance, with the same company. Insurance companies often offer discounts for multiple policies.

Choose a safe and reliable vehicle with good safety ratings for your new driver. Avoid high-performance or luxury cars, which generally result in higher insurance premiums.

Contact Us

Don’t settle for the first insurance quote you receive. Shop around and compare rates from multiple insurance companies to find favorable rates. Contact Mid-State Insurance Agency today to compare auto insurance quotes for your new driver.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.