Adding a Teenage Driver to Auto Insurance

Teenagers, as they get nearer to the age when they can get a driver’s license, usually get very excited about it. Parents of those teenagers have the opposite reaction. To be prepared, work with your insurance agent at Access Insurance Services, serving San Antonio, TX and the nearby area. Make sure you have auto insurance coverage in place before you let the teen drive, even while driving on a learner’s permit and you are supervising their training.

Do you have more than one vehicle?

If you have more than one vehicle, ask your agent to give a quote for adding the teenager on the auto insurance policy for the older, less valuable, vehicle and then compare the quote to the other one. Make sure if you only get insurance for your teenager on one of your vehicles that the teenager cannot drive any other vehicle you own if they are not an authorized driver on the policy for that auto.

Should you let a teen drive alone?

The statistics are not very encouraging. The NHTSA reports that teen drivers are three times more likely to get in an accident than an older driver. Distracted driving, when talking or texting on a mobile phone, is a serious cause of many accidents.

A teen driver of a car full of other teens is easily distracted by the passengers. Reckless teen driving is common. Another major risk is driving under the influence of drugs or alcohol. For all of these reasons, auto accidents are the leading cause of teenage deaths.

Summary

Most adult drivers started driving when they were teens. It is a challenge that we all face. First, learning to drive, making mistakes, and then becoming a safe driver. Have an open, honest, heartfelt conversation with your teen about the risks.

To get a quote for adding your teenager to the auto insurance policy, call your agent at Access Insurance Services in San Antonio, TX at 210-499-5433. If you already have an account you can also login to your account and add a driver to your auto policy online.

Does Home Insurance Cover Electronics?

Home insurance covers many things and it helps to make sure that if there is something that happens to your home, you can recover. Your home policy covers a ton of different things and taking the time to find out what they are can make a huge difference in the overall comprehensiveness of your policy. For those in the San Antonio, TX area, the agents with Access Insurance Services can help you to find the policy that works for you.

Home insurance covers a set amount of money to recover or replace the contents of the home. For the most part, this is a sum that is predetermined and that is around $25,000 for the contents of a standard home. This means that you can replace anything you want with that set sum of money. If you have a special collection, you have something that is very expensive, you have something that is very valuable, you are going to want to either take out a separate policy on those items or you are going to want to make sure they are listed specifically on your home policy. A great way to do this is to have your insurance company help you make an inventory of these items so that they can be properly cataloged and the appropriate value can be assigned to the contents clause of your home insurance policy.

This is not something that every homeowner needs to do but if you have items in your home that are very valuable, that are expensive, or that are hard to replace, you certainly want to make sure that you have specific and added coverage if needed in your policy for these items. For those that live in the San Antonio, TX area, the agents with Access Insurance Services can help you find the policy for you.