If your teenager has recently received their driver’s permit, it may be time to upgrade your automotive insurance policy. Consider the following points as you prepare to transition to a family plan.

Family Insurance Plan

A family insurance plan is essentially a group policy. Every individual listed on the policy will have coverage. This type of plan will spell out which family member is assigned to drive each vehicle listed in the policy.

Insurance Coverage Type

Before adding your teen to your policy, take the time to research the various types of coverage available. Liability protection will come in handy if your teen causes an accident—it covers the cost of repairs for any vehicle your teenager damages while driving. It also protects any property that may be damaged due to your teen’s driving.

A more comprehensive insurance policy may cover the cost of repairing or replacing your teen’s car.

Personal Details

Your teenager’s age, driving experience, and skill level could influence the type of insurance coverage you’ll need. The extent of your teenager’s driving could also affect the level of coverage you decide to get.

Driving Incentives

Some insurance companies offer rewards to those who maintain a clean driving record. Driving safely and adhering to traffic laws helps to avoid insurance claims. Make sure to check out these types of incentives before deciding to upgrade your existing insurance policy.

Driving Modifications

If anyone in your family is changing their driving habits, this should be documented and reported to your insurance company. Any significant alterations to a driving schedule might also require a modification to your family insurance plan.

Agent Assistance

Get in touch with one of our agents serving Hope Mills, NC. An agent representing Cross Creek Insurance will help you customize your family automotive insurance policy to meet your specific needs.