Teen drivers are a tricky subject and most insurance holders are not all that certain about how to insure these drivers. It is important to keep in mind that you should have your teen driver insured properly to help protect you, the other driver, and your teen in the event of an accident. If you are living in the Tuscaloosa, AL are, the agents with TCU Agency can better explain how to properly insure your teen driver.
When it comes to adding drivers to cars, generally you can get away with only insuring drivers on the cars that they primarily drive. This means that you do not have to insure your teen driver on each and every car that is on your policy or in your household but rather, just on the car that the teen driver is the primary driver.
In most cases, a teen driver is going to have their own car or have one car that they drive primarily and that is the most important car to have the driver listed on. If you have a teen that drives all the cars in the household, you may want to insure them as a driver on all of them. Another great rule of thumb to remember is that if the driver is insured on the policy and they have permission to drive another car on the policy that they are not listed as the primary driver for, they are still going to be covered.
Most policies are concerned mainly with making sure that drivers are listed somewhere on the policy even if they are not primary drivers. For those that are in the Tuscaloosa, AL area, the agents with TCU Agency can explain in depth how to make sure your teen is fully covered on your policy.