Cheap Teen Car Insurance Atlanta Georgia

Reader’s Question:

My teenage daughter is 18 years old and still resides with me in Atlanta, my question is :can she drive your car without being listed on your auto insurance? A friend for example borrows your vehicle and gets into an accident, was it legal for them to drive your vehicle because you gave them permission? Therefore will your insurance provider cover costs incurred minus your deductible?

Michelle

Atlanta, GA

Most insurance companies in Atlanta require you to list all of your household residents. With those who are licensed (or of driving age), your insurance company will give you the choice of listing them as ‘eligible’ to drive or ‘excluded’ from driving. If they are listed as ‘eligible,’ they will be rated against your policy’s premiums. If they are ‘excluded,’ they will not be rated against your policy’s premiums; however, you are accepting full responsibility if you let them drive – even once and no matter the circumstance. Now, the example you provided is an entirely different issue. Also household residents, your insurance provider wants to know who will be driving your car with any frequency or regularity. If someone is going to be driving your car with any regularity or frequency, that individual will need to be listed as an ‘eligible’ driver on your car insurance policy. The insurance carrier will cover someone who does not reside with you and you let that individual drive it for a ‘one-time’ thing.

Atlanta Teen Car Insurance Quotes

Q: My daughter is on my insurance policy and it’s so expensive now. How can I get a better deal on my Atlanta GA teen car insurance?

A: I think that parents can use the Atlanta GA teen car insurance prices being so high as a sort of teaching mechanism. A couple of ways for you to save money exist, but they hinge on the actions of your daughter. If she doesn’t do what is necessary to save money on car insurance, then you don’t let her drive. You both win.

First of all, make sure she’s doing well in school. Obviously this is something you’ll already be paying attention to, but a car is a powerful motivator. If she has a B average or a 3.5 GPA, then you’ll be able to get a good student discount on your Atlanta GA teen car insurance.

Secondly, enroll her in a driver’s education class if she hasn’t already taken one. You can ask your car insurance company which will be acceptable for getting a discount on your Atlanta GA teen car insurance. With the student discount averaging around 15-20% and the driver’s ed something like 5-10%, you’ll save plenty.

Atlanta Teen Car Insurance

Q: I have an SR22 policy and need to add my daughter to it. Since I’m already paying a lot, how do I offset the costs of Atlanta teen car insurance?

A: Atlanta GA teen car insurance is usually around twice as much as adult car insurance, but since you already have an SR22 policy, yours will be a little closer than usual to your daughters. However, this could amount to thousands of dollars over a year’s time, so you should call up your company and find out what discounts they offer for teen drivers.

One discount is the good student discount. If you have report cards showing your daughter is enrolled in school full time and averages Bs or higher, then you can often pull in as much as a 15% discount on your teen car insurance.

Additional discounts can be gotten by making sure she is properly educated on driving. Get her enrolled in a driver’s ed class, and call up your car insurance company to find out where she can qualify for a discount by enrolling in a defensive driving class. These discounts can add an additional 15% off with most companies.