Your situation
Adding a teen driver in Florida
Adding a teen driver raises a family policy’s price more than almost anything else, so it is the best moment to re-shop. Good grades, a driving course and the car they drive all change the number.
What to do, in order
- Add them when they get the learner’s permit or licenseAsk your insurer when they must be listed; rules vary by carrier.
- Ask for every discountGood student (often a B average), driver training, and away-at-school if they leave the car home.
- Choose which car they driveSome carriers rate the teen on the car they use most. An older, safe car can cost less.
Quote for my situation
David sees the situation you came from, so you won’t have to explain it twice.
What changes the price
- Teens are rated on experience, so the price drops with each clean year.
- A telematics program can help a careful teen.
What to have ready
- The teen’s date of birth and license status
- A recent report card for the good-student discount
Questions
Is it cheaper to give a teen their own policy?
Usually not. Most families save by keeping them on the household policy.
Related coverage
Your policy’s wording decides what’s covered. David can walk you through yours.