Every person driving a vehicle on Texas roads has to be properly insured. And yes, this includes your teenage driver. If they are caught driving without insurance, they will face serious fines. So, it isn’t a question of whether or not your teen needs auto insurance — it’s how, and when, they will get it. At State Insurance Solutions, we insure teens all across the Dallas, TX area. And because we value their safety on the road, we’re here to make the process as simple as possible!
Adding Your Teen to Your Insurance is Usually the Best Option
As their parent and/or legal guardian, the simplest (and most convenient) option is to have them added to your existing policy. This choice usually saves the most time and money, and the process is fairly simple. If your teen will be driving your car, just ask to add them to your policy and submit the required documents. This is also a great time to evaluate your existing policy and see if you want to make other adjustments.
What if My Teen Has Their Own Car?
If your teen has their own vehicle, you will not be able to add them to your existing auto policy unless you also add the vehicle. This means that you will also need to be the car’s legal owner and have it registered under your name. Another option here is to take out a separate insurance policy on the car under your name and then add your teen.
In the state of Texas, teens (under the age of 18) are technically allowed to have their own auto insurance policies. However, it’s worth noting that their premiums as an individual teen driver will be very different. This is why so many parents opt to just add their teen onto their own insurance.
Whether you have more questions about your teen driver’s insurance options or simply want to get them added to your existing policy, the experts at State Insurance Solutions are here to help. Come stop by our Dallas, TX office or give us a call today!