Getting a new driver on the road is a significant milestone, but it also comes with serious responsibilities, many of which fall on parents. As a parent in Mississippi, you’ll want to ensure your teen or young adult is protected with the right auto insurance through Storey Insurance, serving Senatobia, MS. Here are some smart tips to help you and your new family driver navigate the process.

Add Them to Your Policy

Start by adding your new driver to your existing policy—it’s often more straightforward and more cost-effective than having them get their own separate policy. Notify your insurance agent as soon as your teen gets their permit or license. Many insurers require this, and delaying could leave you vulnerable if an accident occurs.

Look for Discounts

Many insurance companies offer discounts to good students, those who complete driver education courses, or individuals who use safe driving apps that track their habits. These incentives can lower premiums and encourage your teen to adopt responsible driving behaviors.

Choose the Right Car

Consider the type of car your teen will drive. A flashy sports car will come with higher insurance costs and risks compared to a modest, safe vehicle with strong crash ratings. Opting for a reliable car can offer greater protection in multiple ways.

Increase Liability Coverage

Young drivers are statistically more likely to be involved in accidents. Increasing your liability limits beyond the state minimum can help protect your assets in the event of a serious crash.

Have an Open Conversation

Finally, talk openly with your teen about the consequences of risky driving. A speeding ticket or at-fault accident can have long-term financial and legal ramifications. Setting clear expectations can help them make safer choices on the road.

If you’re ready to review your auto policy or have questions about adding a new driver, contact your local Mississippi agency at Storey Insurance, serving Senatobia, MS. We’re here to help your family drive safely and keep your insurance costs manageable.