As the school buses start rolling again and the backpacks replace the beach bags, many families find themselves easing back into a familiar routine. With new schedules, sports practices and after-school activities life shifts into high gear, especially for households with new teen drivers behind the wheel. That’s why the back-to-school season is the perfect time to review your insurance coverage.
If you have a teen driver heading back to high school or college, your auto insurance policy needs reviewed. With increased time on the road, comes a higher risk. You want your teen to have the right coverage to protect them if any accidents occur.
Here’s what you should keep in mind:
Increased Drive Time = Higher Risk
- With early morning commutes, late-night practices, and weekend social events, teens are spending more time on the road. Ensuring they’re properly covered protects both your family and your finances.
Ask About Good Student Discounts
- Many insurance carriers offer discounts for students who maintain certain grades and GPAs. Ask about a good student discount when reviewing your auto policy. It is a great incentive for teens, and it’s a great way to stay on budget.
Out-Of-State College Students
- If your student is taking a car to a school out-of-state, your policy may need adjustments. You want your policy to meet the requirements of the state your student is moving to. In addition, your policy premium may increase or decrease based on safer areas, driving habits and urban vs. rural areas.
Consider Adding Roadside Assistance
- Flat tires, dead batteries or lockouts are inevitable with increased travel times. Adding roadside assistance coverage can provide peace of mind in unexpected situations. Some insurers bundle it with auto policies, while others offer it as a separate plan you can pay for monthly or annually.
Whether it’s updating your auto policy for a newly licensed teen driver, adjusting coverage for an out-of-state college student, or adding valuable roadside assistance, a quick insurance check-up can save you stress and money down the road. Give us a call at 573-339-1222, shoot us an email at pcteam@coalterinsurancegroup.com or visit our website!