Teen Drivers & Summer Break: How to Keep Insurance Costs in Check

School’s out, the temperatures are up, and if you’ve got a teen driver in the house, chances are they’re itching to hit the road. Whether they’re driving to work in Henderson, meeting friends at Lake Las Vegas, or heading to the movies in Summerlin, more free time often means more time behind the wheel.

As a parent, you’re probably juggling two big concerns: keeping your teen(s) safe and keeping your insurance bill from ballooning. Here are a few practical tips to help with both.

1. Add, Don’t Hide:
If your teen is licensed and using your vehicle, make sure they’re properly listed on your auto policy. Trying to “keep it quiet” might save a few dollars now, but if there's an accident, it could cause major issues, or even deny coverage.

2. Ask About Good Student Discounts:
Many insurers offer discounts for high school and college students who maintain a solid GPA (usually a B average or better). If your teen is pulling decent grades at Palo Verde or Centennial High, that could translate to savings.

3. Enroll in a Driver Safety Course:
There are several approved defensive driving or teen safety programs in Clark County. Some insurance companies offer a discount when your teen completes one. It’s not just good for premiums, it’s good for peace of mind.

4. Limit Night Driving:
Accident rates spike after dark, especially for new drivers. You might not win any popularity contests, but setting some ground rules about nighttime driving or ride-sharing boundaries can help reduce risk (and potential claims).

5. Choose the Right Car:
Handing down the old sports car might not be the best move. Vehicles with high horsepower or limited safety features can raise your premiums significantly. A safe, modest, reliable sedan is your best bet for safety and savings.

6. Call Your Agent Before You Make Changes:
Thinking of buying a car for your teen or adjusting your coverage? Talk to your insurance agent first. We can walk you through how different vehicles, driver arrangements, and coverages affect your bottom line.

Summer is a great time for teens to build confidence behind the wheel, but it’s also a high-risk time of year. A few smart steps now can help keep your teen safe and your insurance premiums manageable.

Have questions about how your coverage stacks up? Give us a call (702) 410-8020! We’re local, we’re parents too, and we’re happy to help.