Insurance for Teen Driver with a PermitKentucky teen drivers who have obtained a learner’s permit do not need to have their own insurance policy if they are being supervised by a licensed adult in the vehicle. Once a driver is driving on their own, however, insurance is required.All Kentucky vehicle owners are required to have auto insurance at the minimum levels of $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $25,000 for property damage (25/50/25). Insurance companies in Kentucky determine rates based on factors such as your driving record, how long you’ve been a licensed driver, how much you drive, where you live and what you drive.Most families add teens to their existing auto insurance policies. You could also comparison shop to find the best insurance option for your family.Here are some tips for saving money on car insurance:Teen drivers have a significantly higher accident rate during the first year of driving. Teen insurance rates typically reflect a higher rate to compensate for the risk. Here are some strategies to reduce costs for teens. Teach them and spend time transferring your knowledge and experience.
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Now is the best time to learn best practices and safe driving skills. Raise your deductible to lower your premiums. Ask your insurance agent how much you can save by raising the deductible. If you choose this method you will pay a larger share of the cost if you submit a claim. Consider sharing vehicles. If your teen driver is listed as a primary driver on a vehicle your premiums will likely be affected. Ask about discounts.
Some agencies offer discounts for good grades in school or completing designated driver education courses. Avoid SUVs and Sports Cars. A mid size sedan will likely garner a lower auto insurance rate.