Teen Drivers Going Back to School: Should You Update Their Auto Insurance? 

The cost of a coverage gap can show up fast when a teen driver is involved in an accident. Hathaway Agency, Inc can help you review your auto insurance so that, when the unexpected happens, you know how your policy may respond.

Navigating the Commute to School

A new school year often means a new routine, and for teen drivers, that can mean more time behind the wheel. If your teenager regularly drives to school, notify your insurer. Undisclosed teen drivers on a household policy can create coverage problems when a claim is filed. Changes to your teen’s driving habits, including a new commute route or increased mileage, can affect your premiums and your protection.

Students Leaving for College

If your college student is heading to school without a car, you may be eligible for a reduced-use discount on your policy. Discuss these details with your agent to determine whether your student is still covered when borrowing a vehicle at school, or if coverage limits remain appropriate while the car stays at home.

Maximizing Student Driver Discounts

Insurers offer various discounts that can help offset the cost of insuring a teen driver, such as:

• Good student discounts for maintaining a qualifying GPA
• Driver training or defensive driving course completions
• Low-mileage discounts when annual driving drops
• Distant student discounts for college students living away from home without a vehicle

Eligibility requirements vary by carrier. Reviewing options with your agent can help you identify gaps or what applies to your situation.

Learn More

Hathaway Agency, Inc can help you find a suitable auto policy before school starts. Contact our team today to get a quote or to speak with one of our agents.

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.