Adding a teenager to your car insurance policy can double your rates, but there are ways to reduce the increase in rates and save more on car insurance quotes for teens. Here's what you need to know to add a teen driver to your car insurance. To help you find the best car insurance in South Carolina, Bankrate's insurance editorial team took a systematic approach. Some common high-risk insurance factors may include adding a teen driver to your policy or insuring someone for driving violations, such as a fine or driving under the influence of alcohol.
The cheapest car insurance company for you will probably depend on your individual characteristics, so you may want to get quotes from several providers. It's a good idea to check the quotes from other car insurance companies when you add a teen driver to your policy. The cost of adding a teen to your car insurance policy can increase your rate from 50% to 100%, according to the Insurance Information Institute. Insurance providers often offer telematic programs, which reward safe driving practices with a discount based on a driving score determined by a smartphone app, if your insurer offers it.
If you've been looking for prices and would like to switch your car insurance to a new company, you can usually do it quite easily. Looking up prices and comparing quotes is probably the best way to determine how much you can expect to pay for auto insurance in South Carolina. South Carolina auto insurance laws require drivers to meet the minimum liability insurance requirements. Young adult drivers who live on the university campus or attend school in another state and leave their car parked in the family home may be entitled to a remote student discount, says Justin Yoshizawa, director of product management at Mercury Insurance in Brea, California.
If your grandchild uses your car but has their own car insurance policy, your car insurance coverage will be secondary and you will be the first to be held responsible for the claims. But at a minimum, a teen should be covered by the car insurance policy of their parents with whom they spend most of their time driving. Every driver may have different insurance needs depending on their driving history, type of vehicle, and budget, so the process for finding the best auto insurance in South Carolina may be different for everyone. All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer.