Car Insurance For 16 Year Old Student Driver

Reader question:

My son is sixteen now and he’s going to need to get teen car insurance. How do I do this?

Amelie

Glad you asked.

Dealing with your little child growing up is hard for any parent who is used to their kid depending totally on them for all of their wants and needs. When a child comes to that age where he or she is able to drive a car, whether it belongs to them or not, a whole new avenue of freedom opens up that many parents find it difficult to deal with. Not only does your kid need you less than ever before, but you now have a whole lot more to worry about, considering that one of the leading causes of death among teenagers in the United States is a traffic accident.

When a kid does come to that age, though, one of the most important things is to make them safer and take more responsibility by purchasing car insurance for the student driver. Car insurance is required by law, even if you’re kid does not own the vehicle he or she is driving. If they’re driving your car, insurance with only your name on it will not suffice, although it does sometimes work when they get in an accident and you are making a claim. You shouldn’t take your chances, though.

Hooking your teenager up with car insurance may not make a difference in how they drive, but it will assuage your worries quite a bit concerning what happens to them on the road. If you buy car insurance for the student driver, you can be sure that if your child acts irresponsibly and damages your car due to teenage decision making, you won’t have to worry. Most importantly, you can also know that if your kid is on car insurance for the student driver then, if he or she is injured in a crash, they can get the medical care that they need.

Cheers,

Fashun Guadarrama.