Does the mere thought of getting your teen driver insured and out on the road give you night sweats?  I can totally relate, having raised 6 teenagers myself! You need answers to questions about when to add your teen driver to insurance, what is the best type of car for your teen to drive, what special driving privileges and rules to re-enforce, and how to afford all the expenses involved. The agents at American Insurance are here to help with resources, discounts and answers to these questions for parents of teen drivers.

Planning Ahead

Planning ahead will help you set-up your teen for success as a new driver and keep your insurance premiums as low as possible.  Review this Planning-ahead Guide for a step-by-step plan.  We also recommend printing and discussing  this Teen Driving Contract that helps set the driving rules, like no texting while driving, you want to reinforce. Both resources are compliments of an excellent company we represent, Safeco Insurance, a Liberty Mutual Company.  

Teen Driver Discounts 

When it’s time for you to add a teenager driver to your personal auto policy, make sure to ask about these Safety Rewards that you may have coming for your policy.

New teen discount

In Idaho, there's a "new teen discount" so customers who have been with Safeco for more than one year earn a substantial price break when adding a teen to their policy — up to 27%!

Good student

Customers with teen drivers who can provide certification of academic achievements may qualify for a 24-month good student discount.

Driver training

Customers with drivers under age 21 who complete a driver education course may qualify for a driver training discount.

Student studying away from home

If you have a driver who is a resident student at a school more than 100 miles away from home and without a car, you may qualify for a distant student discount.

Telematics driving program

Telematics brings together GPS technology, telecommunications and computer software to score driving behaviors during a short monitoring period. We represent many insurance companies with telematics programs that offer premium savings including Safeco's "RightTrack" program. By using this technology option, you have the ability to monitor their teen’s driving even when you are not in the car with them. Plus, it can also potentially give you a deep savings discount once it has finished.  

Future discount

There's also a newly independent discount that can happen a few years later when your teenager comes off your policy and onto their own new policy. 

Get started today

Contact Us or your American Insurance customer service agent to learn more, get free quoters and take advantage of these discounts for your teen drivers that promote safety.