Minnesota Teen Drivers: What You Need to Know About Auto Insurance

Auto insurance is not a topic that most teenagers think about, but it is an essential part of driving. At SouthPoint Insurance Agency, LLC in Minnesota, we believe that understanding the risk is the first step to being a responsible driver.

Why Do Teenagers Need Auto Insurance?

The fact is, teenagers have a higher risk of accidents due to their lack of experience. Motor vehicle crashes are one of the leading causes of death for teens in the United States, according to the Centers for Disease Control and Prevention. Therefore, ensuring that your teenage driver is appropriately insured is not just a good idea, but a necessity.

What Type of Coverage Do They Need?

Just like everyone else on the road, teen drivers should have at least liability coverage. This pays for property damage, physical injury, and legal fees if your teen is found at fault in an accident. It is also advisable to consider collision coverage and comprehensive coverage.

How Can They Lower Their Premiums?

Premiums for teen drivers can be quite high due to the risk involved. However, there are ways to lower these rates. Encouraging your teen to get good grades, taking defensive driving classes, or driving a safer car can all help reduce the premiums.

At SouthPoint Insurance Agency, LLC in Minnesota, we understand the concerns of parents with young drivers. We are always available to discuss your coverage needs and to help you find the right coverage for your family.