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  • Writer's pictureChristian Turnbaugh

Teen Driver on Your Policy? Don't Panic! Cost, Discounts, & Everything You Need to Know


If you have a teen driver in your household with a permit or license, you may wonder if you need to list them on your insurance policy. The answer is yes, you do. Listing your teen driver on your policy is not only required by law but also essential for your financial protection.

The Legal Requirement

According to the Kansas Department of Revenue, every driver in Kansas must have liability insurance that covers bodily injury and property damage in case of an accident. This applies to both licensed and permitted drivers. If you have a teen driver who is learning to drive or has recently obtained their license, you must add them to your policy.

Failing to list your teen driver on your policy can result in legal consequences, such as fines, and suspension of your driver’s license. Additionally, If your teen driver is not listed on your policy and causes an accident, you may be personally responsible for the resulting damages. This could include car repairs, medical bills, and other expenses incurred by the injured party.

The Financial Protection

Protecting your wallet and ensuring peace of mind are key reasons to list your teen driver on your insurance policy. If they're involved in an accident while unlisted, your insurance company might deny coverage or limit it due to a policy violation. This could leave you responsible for repair costs, medical bills, and legal fees – a significant financial burden.

Beyond avoiding these hefty costs, transparency builds trust with your insurer. Insurance companies use various factors like age, driving experience, and driving record to determine the level of risk associated with your policy and calculate your premium. By accurately reflecting your family's driving situation, you ensure your premium reflects your actual risk profile, potentially benefiting you in the long run. It also eliminates potential issues down the line, allowing you to focus on supporting your teen's new driving journey with confidence.

Telematics: A Parent's Best Friend

Sending your teenager off to conquer the open road is a moment of mixed emotions. You've instilled the rules, prayed for caution, and wished you could be glued to the passenger seat. But the reality bites: you can't always be there, especially when it comes to the ever-present allure of their phone.

But in the age of smart tech, you don't have to be. Enter telematics: a modern driving coach for teens and a safety net for worried parents. Think of it as a friendly driving partner, not a Big Brother. It doesn't track location, but it does quietly monitor driving habits.

And yes, it can help with the phone distraction worry. Telematics doesn't invade privacy, but it can detect phone use while driving. This allows for open conversations about the dangers of distracted driving, fostering a shared commitment to safety.

The benefits go beyond phone-free confidence:

  • Peace of mind: Receive alerts for harsh braking, rapid acceleration, excessive speeds, or phone usage, giving you a sense of connection even when miles apart.

  • Driving conversations: Use driving reports to spark open discussions about responsible habits, turning every trip into a valuable learning experience.

  • Financial rewards: Good driving habits rewarded with insurance discounts? Yes, please! Responsible choices benefit both teens and parents.

Remember, telematics is about coaching, and it's about empowering You and Your Teen. It's about equipping your teen with the tools they need to make smart choices, build confidence, and arrive home safely. It's about ensuring they experience the joy of the open road with their full attention on the journey, not on their screens.

Discounts Your Teen Can Receive 

Insurance companies reward responsible behavior, and your teen's good grades could unlock a good student discount, lowering your premium. Completing a driver's education program can demonstrate their commitment to safety and earn them an additional discount. These savings can help offset the added cost of having a teen driver on your policy, making it a win-win for your budget and your teen's driving journey.

How to List Your Teen Driver on Your Policy

Adding your teen driver to your insurance doesn't have to be stressful. At Kansas Preferred Insurance Group, we make it easy and convenient. As a family-owned agency with over ten years of service and 100+ years of combined expertise, we understand the value of finding the right coverage for your family. With access to multiple insurance companies, we can shop around to find you the best policy and most competitive quote for your teen driver and your budget. Whether you need home, auto, life, or business insurance, we're your one-stop shop for all your family's needs. Skip the worry, get a free quote today, and experience the Kansas Preferred difference!

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