It is possible for teenage drivers to have their own independent policy but the real issue is finding out if it is going to save you more money or if you are going to save more by adding them to an existing policy. Though you can save more in most cases by adding them to an existing plan, it might surprise you based on where you live. For those that live in the Frederick, MD area, the agents with Lebherz Insurance can help you determine what is going to be best for you.
In many cases, you are going to save more by adding your teen driver to your existing policy than creating their own policy for a few different reasons. For starters, those teen drivers that have their own policy are going to have a policy that is based on the young age of the driver. If you add them to an existing policy, the policy rates are going to be based on the age of the main policy holder.
Another reason you may save more adding them to your policy is that you will have multiple cars on one policy. You often get a discount for having more than one car on a policy which means you can save more. Depending on the individual rates and requirements for your state, you may still be able to save by getting your teen driver their own policy, in most cases, however, it is going to cost more.
For those in the Frederick, MD area, the agents with Lebherz Insurance can help you to determine which course of action is going to be best for you and your teen driver so that the both of you can save the most money possible on your policy.