Insurance is about risk, and teens as drivers are definitely in the category. However, simply having a teen driver doesn’t automatically mean the same risk across the board. For example, a teen who drives a car only on the weekend has a statistically lower accident risk than one who drives a car every day on a commute. This distinction matters a lot, especially when it translates to a premium difference on the car owner’s wallet. Unfortunately, many folks don’t fully understand how risk is rated for car insurance. So they either don’t let their teen drive the covered car at all, hoping to avoid a significant cost increase, or they opt for the largest cost category of frequent driving which may not apply to how often the car is used by a related teen. Both end up mismatching an insurance policy with the actual need.
The best thing a teen parent can do with their car insurance policy in Burlingame, CA is to first have a sit down with Commercial One Insurance Service. Everyone, including insurance agents, understands the need to match a policy to one’s reality. And the folks at Commercial One Insurance Service can take a variety of options and provide real choices for parents. Teens should and need to drive. It is the time when they learn how to interact with the adult world before going out on their own. But that doesn’t mean your car policy has to be priced at a Fort Knox level. Give your local Burlingame, CA agent a call at Commercial One Insurance Service today and relax with a policy that makes sense for your whole family.