DUI Lawyer In Georgia

Reader’s Question:

If I add my Son, who just passed his driving test here in Georgia, how much can I expect my Auto Insurance rates to increase?

Ian

Columbus, GA

Admittedly, once you add your kid under your auto insurance policy expect it to go as much as three times it’s original price. Car insurance providers will consider young and inexperienced drivers at a higher risk of getting involved in car accidents and moving violations, as compared to parents or more mature drivers. Statistics have shown that the driving youth has a 70 percent higher chance of getting into a car crash. With this kind of figures, it is only natural for auto insurance carriers to pass along the increased risk as higher premiums. Aside from age, here are a few more information you may be interested to know about, before adding your son under your policy there in Georgia.

1. Refrain from getting your kid under their own insurance policy. It will cost significantly more for them to pay car insurance on their own, as compared to being listed as a “Named Driver” or “Occasional Driver” under the parent’s policy.
2. Academic Performance – can also be used to determine how much risk your son will pose once added under your policy. If he averages high marks at school, you could qualify for Good Student Discounts towards your insurance premiums.
3. Completion of Accredited Driving Course – if your son scored well during drivers ed., you have a better chance of getting a relatively lower increase towards your premiums.
4. Gender. Unfortunately, you will have to pay more premium for a male as compared to a female kid with the same age.

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