West Virginia car insurance buyers who want to make sure that the teen driver in their household is covered without paying an arm and a leg for this protection should consider their options carefully. A change circumstances like this is a good time to re-evaluate the type and level of coverage that a parent has in place. Rather than buy a separate policy for the teen driver, a more economical choice is to add him or her to a parent’s policy as an occasional driver. This arrangement can stay in place until the teen moves out of the parent’s home.
Getting quotes from several car insurance providers is a good strategy to find the best rates for a policy where a teen driver is being added. Pricing can vary significantly between providers, and adding a teen to a policy will likely mean that the parent will be paying higher rates for his or her coverage since new drivers present a higher risk for coverage purposes.
When shopping around for coverage for a teen driver in WV, a parent should be sure to ask about discounts the company offers. Some of them offer preferred rates to students who are able to maintain a “B” average or higher. A good student discount can help a parent save on the cost of the policy.