Teen Auto Insurance Texas TX

Reader’s Question:

Hi. I’m a single parent in Texas. Should I list down my teen under my auto insurance policy? I think he should already be listed under my ex-husband’s policy.

Amy

Arlington, TX

Hi there, Amy. I suggest that you review your existing auto insurance policy to help you understand better what you insurance company’s stand is regarding this matter. Most auto insurance companies will require the teen to be listed under the policy of the parent where the teen resides more often. However, there are also auto insurance companies that will require both parents to list down the teen. So, why don’t you give your agent in Texas a call to find out exactly what your auto insurance company requires? I suggest that you list him down anyways just to make sure that the both of you are covered. Being a single parent, it is hard enough making ends meet without having to worry about additional expenses that an accident may bring. Also, if your teen is not properly insured and gets in an accident, you will not be able to file for a claim. Worse, you risk your auto insurance being cancelled or being un-renewable because of misrepresentation. This in turn will lead to even higher prices of auto insurance premiums for you in the future. I know that insuring a teen driver may cost more than the usual due to the high risk of accidents involving teen drivers. So, why don’t you shop around for auto insurance companies that specialize in teen drivers? If your teen gets good grades at school you may even be able to get a discount.

 

Tags: auto insurance policy, teen, teen insurance