Reply to when do you add teen to your auto insurance?

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Reply to "when do you add teen to your auto insurance?"

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]But I don’t see why you would add them. Eg. If your friend borrows you’re car and makes an accident, being not a named driver means you have a higher deductible. If your teen drive and not a named driver, I would assume the same? A higher deductible. So if you equate how much you have your teen added to the insurance vs. Deductible, you will make it back in no time. Allstate And liberty charge an arm and a leg for a teen driver. Plus in most cases, if you meet a small accident, I wouldn’t involve insurance anyway and settle it privately with the other driver. Claiming insurance just wipes your no claim bonuses, increase your premiums next year?

So maybe I am missing something. Why would you add your kid as a named driver unless you totally anticipate bad accidents?[/quote]

If my friend borrows my car I am going to assume they have their own policy. Your teen would not be covered ifnot on any policy at all.[/quote]

Insurance follows the car, vs. the driver. So if your friend borrows your car with your permission, your insurance is primary in the event of an accident.[/quote]

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