After 16 years of driving your teen back and forth to school, to countless soccer or football games, and to friends’ houses for sleepovers, the day finally comes when he gets that long-anticipated license. Now he’s ready to hop behind the wheel and drive himself wherever he needs to go–and mom and dad can finally relax at home, right?

Not quite. Though that adorable little child you once knew has grown up some and begun taking responsibility (though whether or not he can make his bed might still be questionable!), he still needs a lot more driving experience–and some extra maturity–to ensure wise decision making on the road.

After all, doing things like giving the other driver the benefit of the doubt and constantly checking that blind spot don’t come naturally to most inexperienced drivers.

Then there’s the matter of insurance. When you add your teenager to your car insurance policy, you naturally expect your insurance rates to rise. Why? Because just like your child, teenagers as a group tend to have more accidents than experienced drivers–about three times as many, to be precise–and it’s this increased risk of accident and insurance claims that causes higher teen car insurance quotes.

But there are ways to get around those higher insurance premiums. A student who has good grades, takes a driver’s training course or drives an older car may qualify for discounts–and that can really help out when it comes to making car insurance more affordable.

Regardless of cost, teens simply can’t drive without insurance. And because we love our kids and want the best for them, we do everything possible to protect them while they’re driving–just as we’ve done all their lives.

So when it’s time to insure your teen driver, make sure he has plenty of insurance coverage, just in case. That way, no matter who he’s with or what mistakes he makes, he stays safe while driving–and you’re prepared for most anything!

For tips on insuring teen drivers and saving money on teen car insurance, please reference these articles in our Insurance Resource Center:

Teen Car Insurance
Teen Car Insurance Quotes