Teen Drivers Are Home for the Summer

School's out, and for a lot of families in our area, that means a teenager is suddenly putting a lot more miles on the family car. Summer is statistically the most dangerous time of year for teen drivers, with June, July, and August consistently ranking as the deadliest months for young people on the road. It's not just their driving, either. It's everyone else's. More people are out, roads are busier, and judgment errors happen at higher speeds.

If you've got a teen driver at home and you haven't already had the coverage conversation, now's a good time.

Make sure your teen is properly listed on your policy.

If they're driving household vehicles and they're not listed, you've got a coverage problem waiting to happen. It's not just about premium. It's about whether a claim actually pays out. Don't assume your policy automatically covers them.

Think about which vehicle they're driving.

Adding a teen to a policy on a newer, financed vehicle is significantly more expensive than assigning them to an older paid-off car. If you've got an older second vehicle, that's often the smarter assignment and it can cut the added cost by 40 to 60 percent.

Ask about discounts.

A lot of families don't realize how many are available. Good student discounts, driver's education credits, and low-mileage options for teens who aren't driving daily can all meaningfully reduce the added cost.

Consider accident forgiveness.

Teen drivers have accidents. It's not pessimism, it's actuarial reality. If your current policy doesn't include accident forgiveness and you're about to add a 16 or 17 year old, it's worth asking whether that's an option. One at-fault claim can spike your premium for three years without it.

Reach out before the summer gets away from you. We can review your current auto policy, make sure everyone's listed correctly, and find every available discount.