Chicago auto insurance

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Reader question:

My son will be getting his driver’s license in a few months. How do I add him to my Chicago auto insurance policy? Will it be expensive?

Grace

Thank you for asking, Grace.

It’s pretty simple to add your son to your Chicago auto insurance policy. All you have to do is call your Chicago auto insurance agent and inform him that you will have another name to add to the policy. If your son will be getting his own car, then you will need to add that onto your Chicago auto insurance policy as well. Make sure that when you add your son and his car that they put him as the primary driver on the correct car. If your car is more expensive to insure, then you will pay more if they connect the highest risk driver to the highest risk car. Chicago auto insurance companies like to do this when it is not specified others, so be sure to mention it.

As for the price, it will be expensive to insure a teenage boy. The average cost of insurance for a teenager is twice as much as that of an older driver, so just take your current Chicago auto insurance premium and multiply it by two. However, even if this is the case there are still things that you can do to get cheaper Chicago auto insurance rates for your teen driver.

You can start by making sure that he is doing well in school. Most Chicago auto insurance companies have a discount for full time students who manage to make a grade point average of 3.0 or higher. There are usually some other requirements–for example, if your son has just started driving, some Chicago auto insurance companies won’t give him the discount for a year and a half. You also should be between the ages of sixteen and twenty five for most place.

There are plenty of ways to get a cheaper Chicago auto insurance policy, and all you really need to do is hash the details out with your insurance agent. Ask them about discounts and see which ones apply to you.

Cheers,

Fashun Guadarrama.