5 Things to Know if You Have a New Driver
Watching your new driver back out of the driveway on their own for the first time is a moment filled with pride, nerves, and the sudden realization of how fast time flies. One minute they’re asking for help tying their shoes, and the next they’re reaching for the car keys.
This exciting milestone also brings new responsibilities—especially when it comes to safety and car insurance. With a first-time driver in your household, there’s a lot to keep in mind.
1. Adding a new driver will likely increase your premium
It’s common for your car insurance premium to go up when you add a new driver, especially a teenager. Younger drivers are considered higher risk due to their lack of experience, which can lead to more accidents or claims. The good news? Your premium won’t stay increased forever. As your new driver gains experience on the road and maintains a clean driving record, your premium may go down over time. Talking to your agent about your options can help you find the best balance for your budget.
2. You may qualify for discounts
Many insurance providers offer auto discounts that can help offset the extra cost. These often include honor student discounts, driver safety course discounts, safety feature discounts, and bundling multiple policies. Be sure to ask your insurance agent about the discounts available to you and how your new driver can qualify. Taking advantage of savings can make a big difference in keeping your insurance costs manageable.
3. Consider increasing your liability coverage
First-time drivers typically have a higher chance of accidents and mistakes on the road. The cost of accidents can add up quickly, especially when you add in repair costs and potential medical expenses. It might be a good idea to review your liability limits; liability coverage helps pay for injuries or property damage you cause to others, and in a serious accident, the minimum limits required by your state might fall short. Raising your liability limits typically doesn’t add much to your premium, but it can offer a lot more protection and peace of mind, especially when you’re adding a driver who’s still gaining experience behind the wheel.
4. Make a smart car choice
Your new driver’s car can have a significant impact on your insurance costs. While they might be dreaming of something sporty or trendy, safety and reliability should come first. Sports cars and luxury vehicles usually come with higher insurance premiums and higher repair costs. Look for a vehicle with solid safety ratings, good visibility, and helpful features like backup cameras, lane assist, or blind spot alerts. Practical, reliable models tend to be more affordable to insure and often cost less to maintain and repair, which can help you save money in the long run.
5. Keep your agent informed
When a new driver joins your household, it’s important to notify your insurance agent as soon as possible, even if they’re just occasionally borrowing the family car. Your agent can help update your policy and explain additional coverage options that might be a better fit your new stage of life. If your new driver causes an accident and isn’t listed on your policy, they may be considered an uninsured driver—potentially leading to gaps in your coverage, possible claim complications, or even legal trouble.
Even if your new driver only has a learner’s permit, many insurers still require them to be listed on your policy.
New drivers learn by example
Before they ever get behind the wheel, first-time drivers are already picking up habits from the adults around them. Simple actions like wearing your seatbelt, following the speed limit, avoiding distractions, and using turn signals can leave a lasting impression. When new drivers see safe driving in action, they’re more likely to follow in those habits. Safer driving not only keeps them better protected but also reduces the risk of accidents and speeding tickets, which may help keep your car insurance rates more affordable over time.
Looking for car insurance that keeps up with every new chapter?
From learner’s permits to new vehicles and everything in between, every milestone deserves a celebration. But big moments also bring new risks—and new reasons to review your insurance coverages. Talk to an Alfa® agent today or get a quote to make sure your family is covered for whatever comes next.
All coverages are subject to deductibles and policy limits. This is not an insurance policy. It is intended only to provide a general description of Alfa Insurance® and/or its product lines and services. An actual policy contains the specific details of the deductibles, coverages, conditions and exclusions. Your Alfa® agent can explain the policy and benefits and answer any questions you may have before you buy.