What if my teen has their own car?
If your teen gets a first car of their own, you'll simply need to make sure it's added to your existing insurance policy. You can do this by contacting your insurance agent and providing the unique vehicle identification number (VIN) and other details about the new vehicle. In most cases, you should be able to get your teen's new car added to your policy in a matter of minutes.
When you add your teen's car to your insurance, be sure to consider what types of coverage you have and how much of each will be needed. Typically, liability coverages are set at the policy level, but collision and comprehensive coverages can be set by vehicle. For example, many teens' first vehicles are older used models that don't have a lot of resale value, so it may be more economical to forego collision coverage (though this isn't always the case). The best way to ensure your teen's vehicle is properly covered without spending more than is needed is to speak with a trusted insurance agent.
However, if your teen has their own car and no longer lives with you, they may need to get their own auto policy.