Should Teenagers Have Auto Insurance in Kutztown, PA?


When your teenager gets their driver’s license it going to be normal for you to worry about them. After all, they are your child. There are tons of valid reasons why you should be afraid for your child as well. Statistics suggest that a lot of teenagers tend to drive very recklessly and often exceed the speed limits. This is why a lot of parents wonder if they should include their teenager on their auto insurance in Kutztown, PA policy. Naturally, there are a lot of benefits to getting auto insurance in Kutztown, PA for your teenager.

It is very easy for you to extend your current insurance plan to cover your teenager. All of the limits and deductibles on your insurance would also apply to your child. If you are the one purchasing the vehicle this gives you even more wiggle room with the insurance plan. If you are purchasing a second car for your child, you would be able to look into multi-car policies that an auto insurance company might offer. After all, a lot of insurance companies offer pretty large discounts when a customer gets more than one car under their policy.

One of the biggest downsides to adding a teenager to your auto insurance in Kutztown PA policy is the fact that it can increase your monthly payment. This is because statistics do not like and they suggest that teenagers are very high risk drivers. Furthermore, if your teenager were to get in an accident or were to get several tickets it would increase your monthly rates.

When you are considering auto insurance in Kutztown, PA it is important to think about your teenager. Do you think that they are going to follow the rules of the road? What are their chances of getting in an accident? You know your teenager better than anyone else. You just need to decide if you want to risk your current policy by adding them to it. Some parents prefer to buy a whole separate policy just for their teenager. This way they do not have to worry about their insurance rate.