How expensive is it to insure my 16 year old daughter as a driver on my auto insurance policy, is it worth it?

Question

How expensive is it to insure my 16 year old daughter as a driver on my auto insurance policy, is it worth it?

Answer 1

Adding a driver is never worth it; because it increases your premium.  But since she is has a license now, she needs to be included on the policy.  Another thing, anyone you give permission to drive your auto, is covered on your policy.  It just makes lots of sense to add her specifically(get the csr to add on); check into the good grades discount.  If she makes the grade, there are carriers that provide a discount.  You'll have to show proof by providing her GPA from the school.  NOW THAT IS WORTH IT!  

Insurance mongrels believe that good grades means better drivers because they are disciplined and pay better attention to how they are managing in life and in the car.  

Get to know your agent, and make him tell you this info.

Answer 2

Each situation is different and only the company has the rates.  However, I can give you a pointer that if you are with a standard or preferred company, you can "designate" her on the lowest rated vehicle to help save a buck.   If she is a good student, get  her grades from school and get her a discount.  If she is taking drivers ed, some companies will give credit for that too.  And YES, it is totally worth the extra cost if you are going to allow her to drive at 16.

Answer 3

Only your agent can tell you the cost, but it's not likely to be cheap.

If she will be driving your car, then it's DEFINITELY worth it, since otherwise if she's in an accident you wouldn't be covered.

Answer 4

Roger, you need to call your auto insurance agent and ask that question. That is the only person who has access to the correct answer.

Best wishes, Dustyantique42

Answer 5

No one here can tell you, because we don't know what you have for coverage, or where you live, or what kind of car you have.

You need to call your agent to get a quote.

Answer 6

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