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Can I Exclude My Teenage Boy From My Auto Insurance Policy?

Auto insurance is something that everyone has to pay for if they want to drive but parents get the shock of their lives when they hear how much it will cost to add a teenage driver. It is not uncommon to pay 2 to 3 times more for insuring a teenager and that is assuming they don’t have a ticket or accident. When parents decide that their kid can drive they need to realize it will increase the auto insurance substantially. I’m often asked if you can exclude a teenage driver from some or all of the vehicles on the insurance policy.

I think parents assume insurance policies are ala carte in the sense that they can choose what is and is not covered. Essentially you can choose your coverage limits but it is rare that you can choose how the policy works. Most insurance companies will not allow a teenager to be excluded from other vehicles unless there is a reason such as a license suspension. This is often asked when the parents have a sports car and a junk car which the teenager will always be driving the junk car right. When I was in high school my father had a Ford Mustang convertible and I was lucky enough to drive it but that was too fast of a car for a teenager.

Choose Your State:

There are some companies that will allow you to exclude the teenager from the other cars but does this help or hurt in the long run. Take for example you have a 17 year old boy who would like to take your new Mustang to the high school prom. Your son is trying to impress his date and decides to race someone at a stop light then hits another car going 80 miles per hour. If you excluded your son from that vehicle there would be no coverage for the damage to the car, any bodily injury or property damage. This situation could end up costing you hundreds of thousands of dollars out of pocket. It really doesn’t make sense to exclude a teenage driver from your auto policy.

Instead of excluding the young driver focus on getting as many discounts as possible. Here is a list of possible discounts that many of the large insurance carriers offer:

  • Good Student (10-20%)
  • Multiple Cars (10-15%)
  • Good Credit (30-60%)
  • Home & Auto (10-15%)
  • Defensive Driving Course (5-10%)

There are many discounts that you are probably eligible for that your child would not otherwise get alone. Unless your son is living in another house outside of your control it is best and often required to rate him on all your vehicles.

 

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